American Express
Hilton Honors American Express Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 100,000 Hilton Points + $100 Credit |
| Rewards Rate | 3X-7X Hilton Honors Bonus Points |
| Regular APR | APR: 19.49% to 28.49% variable APR on purchases. |
| Other Fees | No Foreign Transaction Fees |
| Network | American Express |
About this card
The Hilton Honors American Express Card earns a 'Good' overall rating of 3.6 out of 5.0. This card presents a compelling value proposition, especially for its target audience of Hilton loyalists and those seeking a no-annual-fee travel card. Its strongest attributes are its exceptional fee structure, boasting a $0 annual fee and no foreign transaction fees (rated 4.8/5.0), and a very strong rewards program for a no-annual-fee card (rated 4.1/5.0). The high earning rates in everyday spending categories like U.S. restaurants, supermarkets, and gas stations (5X points), along with a generous sign-up bonus and automatic Hilton Honors Silver status, make it highly attractive for earning hotel rewards without a recurring cost. However, a significant drawback is its 'Poor' APR rating (1.5/5.0). The variable regular APR range of 19.49% to 28.49% is notably high, and the absence of an introductory APR period means carrying a balance can quickly become very expensive, eroding the value of earned rewards. While the card benefits from American Express's strong reputation and customer service, the relatively lower per-point value of Hilton Honors points compared to other loyalty programs is also a factor, though this is somewhat offset by the high earning multipliers. Ultimately, this card is an excellent choice for individuals who consistently pay their balance in full, are loyal to the Hilton brand, and can maximize the generous bonus categories without incurring interest charges. Its strengths significantly outweigh its weaknesses for this specific demographic, but the high APR prevents it from achieving a higher 'Excellent' rating for a broader audience.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on hotel and everyday spending categories
- No foreign transaction fees
- Automatic elite status with hotel chain
- Includes travel and purchase protections
Things to consider
- High regular APR
- No introductory APR period
What this card offers
Sign-up bonuses
- Earn 100,000 Hilton Honors Bonus Points And A $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership. Offer ends 7/29/2026.
Rewards
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Other features
- Hilton Honors Silver Status: Enjoy even more perks as a Hilton Honors Silver member, like a 20% Bonus on all Base Points, getting you to free nights faster.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold Status through the end of the next calendar year.
- No Foreign Transaction Fees: Enjoy every trip abroad with no foreign transaction fees from American Express with the Hilton Honors American Express Card.
- No matter where you’re traveling, when you use your Hilton Honors American Express Card there are no Foreign Transaction Fees from American Express.
- Amex Special Ticket Access and more: Card Members have access to purchase Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events.
- Send & Split: Send money, split purchases, and focus non the moments that matter – with Send & Split. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
- Send & Split enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express App. Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee. You can also seamlessly split your Amex Card purchases with other Venmo/PayPal users and get paid back to your Card as a statement credit or to your linked Venmo/PayPal account. Best part? You’ll be the one to earn the rewards for the purchase you split. Enrollment required. Terms apply.
- Earn More with Amex Offers: Card Members can explore the Amex Offers available to add to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
- Amex Offers help Card Members earn rewards on purchases for things they love. Card Members can explore the Amex Offers available to add to their eligible Card and earn extra rewards on qualifying purchases with select brands.
- Car Rental Loss and Damage Insurance: Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Global Assist Hotline: Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Purchase Protection: Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.
- Dispute Resolution: If you ever look at your American Express statement and see a charge you don’t recognize or notice you’re still being billed for a service you canceled, chances are you want it corrected right away. American Express can work with you and the merchant to help resolve the issue.
- Year-End Summary: Get access to a Year-End Summary of charges so you can review your annual spending. Learn more at americanexpress.com/yes.
- Additional Cards: You can add an Additional Card for anyone who makes purchases for you, like your child (13+), spouse, or employee.
- Instant Card Number: If your application is approved and you are eligible, you can begin using your Card number online and through your digital wallet, including Apple Pay, Google Pay, Samsung Pay, PayPal, and Amazon Pay today.
Additional Notes
The Hilton Honors American Express Card does not currently have a Free Night Reward benefit.