Hilton Honors American Express Card Review

Our Detailed Review of This Card

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The Hilton Honors American Express Card (a NextAdvisor advertiser) is a great option for loyal Hilton customers, or someone who plans to become one.

Card users will earn 7X points for each $1 you spend at a hotel in the Hilton Portfolio. You'll also earn 5X points for each $1 spent at U.S. supermarkets, U.S. restaurants and U.S. gas stations (a rare high point earn for non-travel purchases!), and 3X points per $1 on all other card purchases. On top of that, you'll receive 75,000 points after spending $1,000 on purchases in the first 3 months (worth $374, according to our Travel Analysis). Our Travel Rewards Credit Card Analysis calculated the hotel redemption value to be $1.69 for every $100 spent, while the flight value is on the lower end of $0.61 per $100 spent.

With Hilton Honors American Express Card, you'll enjoy complimentary Honors Silver status, and if you spend $20,000 on purchases in a calendar year, you'll earn an upgrade to Honors Gold status through the end of the following calendar year. Other card perks include extended warranty, purchase protection, return protection and travel accident insurance. Additionally, there are no foreign transaction fees or annual fee to worry about when you travel outside the U.S.

There are several Hilton Honors-branded credit cards on the market, but for a travel card with no annual fee, this one gives you the most bang for your buck with a higher point earn for your purchases.

Redeem Rewards

  • Redeem points for free nights at more than 3,600 hotels within the Hilton Honors Portfolio, Experience Rewards, car rentals or exchange Hilton points for airline miles with Hilton Honors participating airline partners.

Fees and APR
  • Annual Fee: $0.00
  • Purchase APR: 17.99%-26.99% Variable, based on creditworthiness.
  • Balance Transfer APR: 17.99%-26.99% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: None
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 27.49% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38

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