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Hilton Honors American Express Card Review: Decent Perks for No Annual Fee

Hilton Honors American Express Card review
KEY TAKEAWAYS
  • The Hilton Honors American Express Card is one of the only hotel credit cards with no annual fee.
  • What we think: If you like to stay at Hilton hotels but not all of the time or you don’t travel very often, the Hilton Honors Amex card could be exactly what you need. It’s a good card to keep in your wallet for when you do choose Hilton, as it has pretty solid perks, but you don’t need to worry about “making up for” a yearly cost.
  • Cardholders qualify for 7X points on eligible Hilton stays, 5X points on purchases made at U.S. supermarkets, restaurants and gas stations, and 3X points on all other spending categories.
  • Although the Amex Hilton Honors card comes with many benefits, Hilton Honors Bonus Points have less value than the points offered by similar rewards cards.
  • As a cardholder, you automatically receive Silver status in the Hilton Honors program, giving you access to spa discounts, free bottled water and a 20% points bonus on all eligible hotel stays.
  • You should have credit scores in the good to excellent range before applying for the Amex Hilton Honors card.
SUMMARY

The Hilton Honors American Express Card rewards users for their loyalty to Hilton brands.

Not only do you earn 7 points per dollar spent on eligible hotel stays, but you also get complimentary Silver status with the Hilton Honors program. The Amex Hilton Honors card also comes with access to American Express Offers, the American Express Global Assist Hotline* and other valuable benefits.

Join as us we answer some of the most common questions about the Hilton Honors American Express card, including:

  • Does the card have an annual fee?
  • Is it worth signing up for the Amex Hilton Honors card?
  • How do you earn and redeem Hilton Honors Bonus Points??
  • How does the Amex Hilton Honors card compare to the Hilton Honors American Express Surpass? card?
  • Do you need a high credit score to qualify for this card?
Pros & Cons

Pros

  • No annual fee
  • Automatic Hilton Silver status
  • 20% bonus points on eligible stays

Cons

  • Low point redemption value
  • Need good or excellent credit to qualify
  • Fewer perks than some travel cards
Hilton Honors American Express Card
LEARN MORE
Key Information
Earn 7X Hilton Honors Points on eligible Hilton purchases, 5X points on eligible U.S. restaurant, U.S. supermarket, and U.S. gas station purchases, and 3X on all other eligible purchases. $0 annual fee.

Is the Hilton Honors American Express Card worth it?

The Hilton Honors American Express Card is worth it if you’re a Hilton loyalist, as it gives you 7 points for every dollar spent at participating hotels.?

Cardholders also receive 5 points for eligible grocery, gasoline and restaurant purchases, making the Hilton Honors American Express card a good fit for people who want to earn extra points on everyday purchases.

Not convinced? Alternatives to the Hilton Honors American Express Card

Advertiser Disclosure

Hilton Honors American Express Surpass? Card

Hilton Honors American Express Surpass? Card
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 12X points on eligible purchases made directly with Hilton hotels and resorts, 6X points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets, 4X points on U.S. online retail purchases, and 3X points on all other eligible purchases. $150 annual fee.
Show More Show Less

The Platinum Card? from American Express

The Platinum Card? from American Express
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 5X Membership Rewards? points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year), 5X points on prepaid hotels booked with American Express Travel, and 1X points on other eligible purchases. $695 annual fee.
Show More Show Less

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
LEARN MORE on Bankrate's secure site
Key Information
Earn 5X miles per dollar on hotel stays or rental cars booked through Capital One’s portal and 2X miles on all other purchases. $95 annual fee.
Show More Show Less

Hilton Honors American Express Card: Rewards

Welcome bonus

This Hilton credit card has one of the best welcome offers available. If you spend $2,000 during your first six months of membership, you’ll earn 70,000 points and a Free Night Reward.

Earn Hilton Honors points

Once you have an account, you can earn Hilton Honors Bonus Points in three ways:

Redeem Hilton Honors points

You can redeem your Hilton Honors Bonus Points in the following ways:

Hilton Honors American Express Card benefits

Complimentary Silver status

As a Hilton Honors Amex cardholder, you automatically gain Silver status, which comes with all standard member benefits plus free bottled water, an all-inclusive spa discount, elite rollover nights and a 20% points bonus on stays at eligible properties. Silver members are also entitled to get the fifth night free on all reward stays.

Path to Gold status

If you spend $20,000 on your card in a calendar year, you’ll achieve Gold status.?

This status entitles you to these additional benefits:

Car rental insurance

Hilton Honors Amex cardholders are eligible for complimentary car rental insurance*. To access this benefit, you must use your card to cover the full cost of the rental. You must also refuse the collision damage waiver offered by the rental company. Note that this coverage is secondary, which means it doesn’t kick in until you’ve exhausted your other insurance benefits. Car rental insurance isn’t available for vehicles rented in New Zealand, Italy and Australia.

Global Assist Hotline

If you’re traveling more than 100 miles from home, you can contact the American Express Global Assist Hotline* if you encounter any problems. For example, hotline agents can answer travel-related questions, arrange for wire transfers, refer you to legal and medical services, help you track down missing luggage or refer you to the nearest embassy.

American Express Offers

This Hilton credit card also gives you access to American Express Offers. If you add an offer to your card, you’ll earn a reward when you fulfill the eligibility requirements. For example, you may receive an offer for $15 off a $75 purchase from your favorite bakery. Once you spend $75 in a single transaction, you’ll see the $15 reward posted to your account.

Additional cards

If you want to share your benefits with a spouse, child or trusted friend, you can add them as an authorized user on your account.

Pay It Plan It

Pay It? allows you to pay for purchases using the American Express mobile app instead of swiping your card. Plan It? gives you the option of breaking up large purchases ($100 or more) into smaller monthly payments. You won’t pay interest on Plan It purchases, but there’s a fixed monthly fee.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Fees, rates & limit

Fees

Interest rates

Credit limit

Like other credit card companies, American Express sets your limit based on your income, credit history and other factors. Limits for this Hilton credit card usually range from $1,000 to $20,000, but you may qualify for a higher credit limit if you have stellar credit.

How the Hilton Honors American Express Card compares

Hilton Honors American Express Card vs. Hilton Honors American Express Surpass? Card

The Hilton Honors American Express Surpass? Card comes with more perks than the standard card, so it has an annual fee of $150 (see rates and fees). Instead of 7X points on eligible Hilton stays, you get 12 points per dollar, making it easier to increase your balance. The Hilton Honors Surpass also comes with 6X points at U.S. restaurants, supermarkets and gas stations, 4X points on U.S. online retail purchases and 3X points on everything else.

The Hilton Honors Amex is an excellent choice if you’re looking for a no-fee card, but the Hilton Honors Surpass card is better if you’re looking to maximize your rewards.

Is the Hilton Honors American Express Card right for me?

This credit card is best for loyal Hilton customers who want to earn big rewards on hotel stays. It’s also a good fit for users who spend a significant amount of money at U.S. supermarkets, gas stations and restaurants. It may not be the right card for you if you rarely travel or dine out.

Apply for the Hilton Honors American Express Card

The Amex Hilton Honors isn’t a starter credit card, nor is it intended for people who are rebuilding their credit after having financial difficulties.

You need a good or an excellent credit score to qualify. American Express doesn’t list a minimum score on the application, but we recommend applying only if you have a score of at least 700.

If you’re confident you qualify, you can learn more about the Hilton Honors American Express card and apply online at your convenience.?

Follow these steps to complete the application:

  1. Fill in your name, date of birth and contact information.
  2. Provide information about your annual income.
  3. Review the terms of the card.
  4. Submit your application.
Top American Express credit cards of 2024 Compare cards side-by-side Credit Cards with Mouse Cursor COMPARE CARDS

FAQ: Hilton Honors American Express Card

Is the Hilton Honors American Express Card any good?

Yes. If you frequently stay at Hilton hotels, the Hilton Honors American Express is one of the best hotel credit cards on the market. The card has no annual fee, so you don’t have to worry about spending a certain amount of money, and it also comes with a generous welcome bonus, making it easy to earn free nights at your favorite Hilton properties.

Is the Hilton Honors American Express Card hard to get?

The Hilton Honors American Express card is somewhat hard to get due to the stringent credit requirements. You must have a credit score that falls within the good or excellent range. American Express also considers your income and credit history. Therefore, this card isn’t for consumers who are looking to rebuild their credit. If you don’t qualify for this card, consider getting one of the secured credit cards offered by many banks and credit unions.

What credit score is needed for a Hilton Honors American Express Card?

American Express doesn’t list a minimum score on its website, but we recommend that you have at least a 700 before attempting to get the Hilton Honors Amex.

What is the limit on the Hilton Honors American Express Card?

It depends on your credit history and spending habits. Some users start out with limits as low as $1,000, while others qualify for limits above $20,000.

Is the Hilton Honors American Express Card metal?

No. Like many credit cards, the Hilton Honors Amex is made from sturdy plastic.

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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