Hilton Honors Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
17.24% ‐ 26.24% (Variable)
Balance Transfer
17.24% ‐ 26.24% (Variable)
Rewards
3 - 7 points
Signup Bonus
95000 points (after spending $1,000)


8.6/10
Informr score
The Hilton Honors Card from American Express currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Hilton Honors Card from American Express is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Balance

The Hilton Honors American Express® is a no-frills rewards card that makes earning hotel points simple for the average consumer, though its lower points valuation makes them harder to redeem. You also won’t find many extra travel benefits, but fans of the Hilton hotel network will still get value fr...

- Sienna Kossman, The Balance
One Mile at a Time

The Hilton Honors Card from American Express is a good no annual fee card. The card has a solid welcome bonus, offers 3-7x points per dollar spent, gets you Honors Silver status, and gives you access to Amex Offers. For someone looking for a no annual fee card, this is a great option.

- Ben, One Mile at a Time
Credit Cards Explained

The bottom line is that the Hilton Honors American Express Card is an excellent card to have in your wallet if you’re a frequent traveler, or spend a good portion of your budget at U.S. gas stations, supermarkets and restaurants. There’s no annual to pay and as an Amex cardmember you’ll have access...

- Carrie Smith, Credit Cards Explained
The Wirecutter

If you’re looking to dip your toes into hotel credit cards but don’t want to pay for the experience, the Hilton Honors Card represents a reasonable start.

- Sally French, The Wirecutter
The Points Guy

The Hilton Honors American Express Card is a good starter card for those who are already members and are looking to maximize the loyalty program’s benefits without paying an annual fee, with plenty of ways to earn and redeem points, automatic Silver elite status and reasonable travel and purchase pr...

- Benet Wilson, The Points Guy

Details


Interest Rates
Regular APR Interest Rate 17.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.24% ‐ 26.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00


Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 95000 points after spending $1,000

On purchases within the first 3 months.

Rewards
All Purchases 3 points per $1 spent
Restaurants 5 points per $1 spent
Gas 5 points per $1 spent
Groceries 5 points per $1 spent
Hotels 7 points per $1 spent

On purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.

Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


The Balance

For occasional travelers who want to quickly rack up points

from The Balance

The Hilton Honors American Express® is a no-frills rewards card that makes earning hotel points simple for the average consumer, though its lower points valuation makes them harder to redeem. You also won’t find many extra travel benefits, but fans of the Hilton hotel network will still get value from this card.

Read full review

The Hilton Honors American Express® is a no-frills rewards card that makes earning hotel points simple for the average consumer, though its lower points valuation makes them harder to redeem. You also won’t find many extra travel benefits, but fans of the Hilton hotel network will still get value from this card.

Read full review

Less

One Mile at a Time

A great no annual fee card

from One Mile at a Time

The Hilton Honors Card from American Express is a good no annual fee card. The card has a solid welcome bonus, offers 3-7x points per dollar spent, gets you Honors Silver status, and gives you access to Amex Offers. For someone looking for a no annual fee card, this is a great option.

Read full review

The Hilton Honors Card from American Express is a good no annual fee card. The card has a solid welcome bonus, offers 3-7x points per dollar spent, gets you Honors Silver status, and gives you access to Amex Offers. For someone looking for a no annual fee card, this is a great option.

Read full review

Less

Credit Cards Explained

Good for business travelers and leisure travelers alike

from Credit Cards Explained

The bottom line is that the Hilton Honors American Express Card is an excellent card to have in your wallet if you’re a frequent traveler, or spend a good portion of your budget at U.S. gas stations, supermarkets and restaurants. There’s no annual to pay and as an Amex cardmember you’ll hav...More

The bottom line is that the Hilton Honors American Express Card is an excellent card to have in your wallet if you’re a frequent traveler, or spend a good portion of your budget at U.S. gas stations, supermarkets and restaurants. There’s no annual to pay and as an Amex cardmember you’ll have access to all the benefits of the Hilton Honors program rewards, as well as the American Express list of benefits. On the flip side, if you use this card to make purchases here-and-there, it may not be worth it.

Read full review

Less

The Wirecutter

A fair starter card with no annual fee

from The Wirecutter

If you’re looking to dip your toes into hotel credit cards but don’t want to pay for the experience, the Hilton Honors Card represents a reasonable start.

Read full review

If you’re looking to dip your toes into hotel credit cards but don’t want to pay for the experience, the Hilton Honors Card represents a reasonable start.

Read full review

Less

The Points Guy

For beginners looking for a card that comes with some Hilton perks

from The Points Guy

The Hilton Honors American Express Card is a good starter card for those who are already members and are looking to maximize the loyalty program’s benefits without paying an annual fee, with plenty of ways to earn and redeem points, automatic Silver elite status and reasonable travel and purchase protections.

Read full review

The Hilton Honors American Express Card is a good starter card for those who are already members and are looking to maximize the loyalty program’s benefits without paying an annual fee, with plenty of ways to earn and redeem points, automatic Silver elite status and reasonable travel and purchase protections.

Read full review

Less

CreditCards.com

Exceptional point bonus, inflated rewards rate

from CreditCards.com

The Hilton Honors card offers a generous number of bonus points on hotel and everyday purchases; but because Hilton’s Honors aren’t worth as much as the average credit card rewards point, cardholders need a larger number of points to purchase rewards-funded travel.

Read full review

The Hilton Honors card offers a generous number of bonus points on hotel and everyday purchases; but because Hilton’s Honors aren’t worth as much as the average credit card rewards point, cardholders need a larger number of points to purchase rewards-funded travel.

Read full review

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Travel Update

A decent earner for every day spend

from Travel Update

The Hilton Honors card is a fantastic no annual fee card for infrequent Hilton visitors. It can also be a great downgrading option for Hilton Ascend or Hilton Aspire card-members. While this card lacks in benefits, Silver Status and the fifth night free are awesome for a no annual fee card.

Read full review

The Hilton Honors card is a fantastic no annual fee card for infrequent Hilton visitors. It can also be a great downgrading option for Hilton Ascend or Hilton Aspire card-members. While this card lacks in benefits, Silver Status and the fifth night free are awesome for a no annual fee card.

Read full review

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AwardWallet

One of the best points-to-annual fee ratios

from AwardWallet

Just like its predecessor, the Hilton Honors Card from American Express is a top card for occasional travelers and those that can’t justify paying an annual fee for Hilton’s premium Amex offerings. The card currently offers a huge limited-time welcome bonus, no foreign transaction fees, no an...More

Just like its predecessor, the Hilton Honors Card from American Express is a top card for occasional travelers and those that can’t justify paying an annual fee for Hilton’s premium Amex offerings. The card currently offers a huge limited-time welcome bonus, no foreign transaction fees, no annual fee, and complimentary Silver status (with the opportunity to punch for Gold with an achievable spend).

Read full review

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Credit Karma

Hotel rewards with no annual fee

from Credit Karma

The Hilton Honors American Express Card offers solid rewards with no annual fee, making it a decent option for the occasional traveler. But if you travel frequently, you’ll likely get more bang for your buck with a different card.

Read full review

The Hilton Honors American Express Card offers solid rewards with no annual fee, making it a decent option for the occasional traveler. But if you travel frequently, you’ll likely get more bang for your buck with a different card.

Read full review

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ValuePenguin

An excellent no annual fee hotel rewards credit card

from ValuePenguin

As a no annual fee credit card, the Hilton Honors™ Card from American Express is probably best suited as a supplemental credit card. Use the card to earn the welcome bonus and keep it around for those times when you'll be staying at a Hilton resort, or can leverage any of the other bonus spending categories. 

Read full review

As a no annual fee credit card, the Hilton Honors™ Card from American Express is probably best suited as a supplemental credit card. Use the card to earn the welcome bonus and keep it around for those times when you'll be staying at a Hilton resort, or can leverage any of the other bonus spending categories. 

Read full review

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User Reviews


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