American Express Hilton Honors Credit Card Review

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From Seek Capital - Best for Hilton Rewards

Welcome Offer

Hilton Honors Bonus Points with the Hilton Honors American Express Business Card

Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

Earn

12xPoints
Earn 12x Hilton Honors bonus points on qualifying purchases at Hilton properties
6xPoints
Earn 6x Hilton Honors bonus points on select business travel and purchases
3xPoints
Earn 3x Hilton Honors points on all other eligible purchases
$0Foreign Transaction Fee
No foreign transaction fees when using this card

AMEX Hilton Honors

The AMEX Hilton Honors is a great travel rewards credit card for fans of Hilton properties. The sign up bonus is easy to achieve and nets you at least $800 in rewards, and you can quickly double or triple that value through the year if you know how to put this card to work. Find out more about the AMEX Hilton Honors card and decide if it's the plastic for your wallet.

Rewards Highlights

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.

Expert Review

The Pros

  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio
  • 6X on Select Business & Travel Purchases
  • 3X Everywhere Else. Terms & Limitations Apply.

Recommended Credit Profile

Rates & Fees

  • Annual Fee$95
  • Great ForHiton HotelsRestaurantsTravel
  • Regular Purchase APR15.74% - 24.74% Variable
  • Cash Advance APR25.24%
  • Cash Advance FeeEither $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction FeeNone

Massive Sign Up Offer

American Express has some of the biggest sign up offers in the game, especially on its co-branded credit cards, and the AMEX Hilton Honors card is just one example of that. You can earn a whopping 50,000 Hilton Honors bonus points just by making $1,000 in qualified purchases on your credit card within the first three months.

That's about $333 in spending each month, or well under $100 a week. How easy is it to spend that amount? It's as easy as paying for your groceries regularly with this card or covering the drink tab at the bar two weekends each month. However you want to get there, don't miss this easy sign up bonus, because those 50,000 Hilton Honors points could net you up to 10 free nights at Hilton properties. Or, if luxury is more your lifestyle, you might get one or two free nights at an amazing resort. Either way, you're looking at rewards valued at $800 or more — find the right deal, and your rewards could be equal to the money you spent earning them. How's that for a BOGO deal?

Keep Earning with 7x, 5x or 3x Rewards Offers

We love a good co-branded card (one backed by both the bank or credit card company and a secondary brand) because they usually come with wild rewards structures. Because this card is backed by Hilton, you'll earn the most rewards points when you spend money at any resort or hotel within Hilton's portfolio. That includes properties such as Hilton Garden Inn, Hilton Grand Vacations, Homewood Suites, Tru, DoubleTree, Home2, Hampton and Waldorf Astoria. Spend with any of these brands and earn seven points for every dollar.

You also get five points for every dollar you spend when shopping at supermarkets, gas stations and restaurants in the United states, plus three points for every other qualified purchase you make (things like same-as-cash purchases don't count).

How much can you really earn? Let's just run some sample numbers.

This card is obviously going to benefit Hilton loyalists the most, so let's assume you stay with Hilton properties three times in one year and spend a total of $3,000. You'll get seven points for every dollar, which totals to 21,000 points.

But that's not where the rewards end because chances are you have to buy groceries and fuel, and you probably eat out sometimes — especially when you travel. If you spend $500 per month on these categories, that's another 2,500 points per month. Do that every month for the year and you've earned 30,000 more points.

Perhaps you spend another $500 on other expenses, such as your cell phone bill and clothing. You'll get three points per dollar on those expenditure, which is 1,500 points a month or 18,000 a year.

That's 69,000 points without every spending anything you wouldn't already. Add in your bonus points, and you've got 119,000 points. Enough to cover 23 nights in basic Hilton accommodations or a long weekend in one of the most luxurious properties. Either way, you're looking at close to $2,000 in rewards points values at minimum.

Where can you stay with those hotel points? Downtown Manhattan, the middle of Las Vegas, the beaches of the Keys — your options range coast to coast, and some are even in off shore locations, letting you book exotic getaways with your points.

You can also redeem points for:

  • Upgrades at Hilton properties
  • Airfare
  • Car rentals
  • Cruise certificates
  • Online shopping rewards
  • Concert and other entertainment experiences

Automatic Hilton Honors Status Bump

Just holding the AMEX Hilton Honors card as a customer in good standing means you get an automatic bump to Silver status with the membership rewards program. That means more perks and higher value redemption opportunities. But if you spend $20,000 in any year with your card (that's just $1,667 a month), you get a further bump to Gold status for the next calendar year.

Other Cardholder Perks

As if the valuable rewards structure wasn't enough, the AMEX Hilton Honors card comes with plenty of other perks. Here are some benefits you can expect to enjoy as a cardholder.

  • The ability to waive optional insurance when you rent a car (and save some money) while still being covered — the card covers you in case of loss or damage to the rental car
  • Travel accident insurance that kicks in to help with needs if you are injured in a travel accident when you book travel on a common carrier (a bus, train, plane or boat) with your card
  • Access to a global assist hotline for help whenever you need it while traveling
  • Extended warranties on eligible purchases when you pay with your card
  • Insurance coverage for a damaged phone that you purchased with your credit card
  • Return protection that reimburses you if a merchant won't let you return an undamaged item
  • Fraud protection to keep your account safer as you swipe or pay online
  • Pay It Plan It options to make paying down your balance each month as easy as possible

So, What Will All This Cost?

Unbelievably, the AMEX Hilton Honors card comes with no annual fee. So every reward you rack up and use is truly ""free"" money — as long as you're using your card to make everyday purchases and paying it off each statement cycle.

The card also doesn't have a foreign transaction fee, which means you're free to while away time shopping near an international Hilton property without paying 3 to 5 percent extra for every item.

If you're a Hilton loyalist that travels at least a few times a year, this card makes sense to carry.

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