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The information for the following product(s) has been collected independently by Business Insider: Marriott Bonvoy Bold® Credit Card. The details for these products have not been reviewed or provided by the issuer. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.
S. supermarkets, and at U.S.
gas stations. Earn 3X Points for all other eligible purchases on your card. $0 N/A 20.
99% - 29.99% Variable Earn 70,000 Hilton Honors bonus points plus a Free Night Reward Good to Excellent Check mark icon A check mark. It indicates a confirmation of your intended interaction.
High welcome bonus Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee Check mark icon A check mark.
It indicates a confirmation of your intended interaction. Complimentary Silver elite status with Hilton con icon Two crossed lines that form an 'X'. Limited benefits beyond earning Hilton points If you're an infrequent traveler and like earning Hilton points but don't want to pay an annual fee, the Hilton Honors American Express Card is definitely worth considering.
Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.
S. supermarkets, and at U.S.
gas stations. Earn 3X Points for all other eligible purchases on your Card. Enjoy complimentary Hilton HonorsTM 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 HonorsTM Gold status through the end of the next calendar year. No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
No Annual Fee. Terms Apply. If you're an infrequent traveler and like earning Hilton points but don't want to pay an annual fee, the Hilton Honors American Express Card is definitely worth considering.
It's offering a welcome bonus of 70,000 Hilton Honors bonus points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first six months of card membership (offer ends 7/31/2024), and comes with decent perks for a no-annual-fee travel credit card . American Express issues four co-branded Hilton credit cards , but only one — the Hilton Honors American Express Card — has a $0 annual fee. Usually, no-annual-fee credit cards come with a modest welcome bonus offer and few perks, but that's not the case here.
Hilton Credit Card Review: Is It the Best Card for You? The Hilton Honors American Express Card currently has a welcome bonus offer of 70,000 Hilton Honors bonus points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first six months of card membership (offer ends 7/31/2024). You can also earn bonus points in everyday spending categories, whether you're traveling or staying close to home. Along with 7 points per dollar on eligible Hilton purchases, Hilton Honors American Express Card cardholders earn 5 points per dollar spent on eligible purchases at U.
S. restaurants, U.S.
supermarkets, and U.S. gas stations, and 3 points per dollar spent on all other eligible purchases.
These bonus categories are useful and can help boost your Hilton points balance quickly. This card offers automatic Hilton Honors Silver elite status, which is the brand's lowest elite tier. It doesn't offer the widest range of benefits, but it does unlock one lucrative perk.
Any Hilton elite status member (including Silver) qualifies for the fifth night free on award stays of five nights or more, so if you redeem points for longer stays, this can add up to significant savings. Standard award nights at Hilton hotels start at 5,000 points and usually top out at 95,000 points for the most luxurious resorts (with a few exceptions) — so depending on where you redeem your rewards, the welcome bonus offer from the Hilton Honors American Express Card could be worth multiple nights at inexpensive brands, or fewer nights at upscale locations. If you stay at Hilton hotels even a couple of times a year, be sure to compare the benefits you'll receive from the other Hilton cards.
For example, the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card also have excellent welcome bonus offers with more points and they come with Hilton Gold status, which gets you free breakfast (currently awarded as a food and beverage credit at U.S. hotels) and better perks.
See our picks for the best credit cards » Chase Sapphire Preferred® Card Capital One Venture Rewards Credit Card Wells Fargo AutographSM Card Hilton Honors Credit Card Welcome Bonus Offer The Hilton Honors American Express Card is offering a welcome bonus of 70,000 Hilton Honors bonus points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first six months of card membership (offer ends 7/31/2024). Business Insider considers Hilton points to be worth 0.5 cents each, on average.
The points from this bonus, therefore, are worth around $350 in Hilton hotel stays. How to Earn Points With the Hilton Honors Card The Hilton Honors American Express Card has a straightforward earning structure, and it's good for earning points at Hilton hotels and on your everyday purchases. Cardholders earn: 7x points on eligible purchases at Hilton hotels 5 points per dollar spent at eligible U.
S. restaurants, U.S.
supermarkets, and U.S. gas stations 3 points per dollar on all other eligible purchases The points you'll earn at eligible Hilton hotels are in addition to what you'd normally earn for paid Hilton stays (10x points at most brands) and any elite status bonus points you qualify for.
For example, with Silver elite status (which comes automatically with the card), you'll get a 20% bonus on base points for your stay, or a total of 12 points per dollar at most brands. Plus, when you use your Hilton Honors American Express Card to pay, you'll earn an additional 7 points per dollar, for a total of 19x points at Hilton. How to Use Points from the Hilton Credit Card The Hilton Honors program includes over 7,000 hotels in 123 countries, so it's easy to redeem your points just about anywhere you go.
You can earn and use Hilton points at 19 brands: Hilton brands list: Conrad Hotels & Resorts Canopy by Hilton Curio Collection by Hilton DoubleTree by Hilton Embassy Suites by Hilton Hampton Inn by Hilton Hilton Hotels Hilton Garden Inn Hilton Grand Vacations Home2 Suites by Hilton Homewood Suites by Hilton LXR Motto by Hilton Signia by Hilton Spark by Hilton Tapestry Collection by Hilton Tempo by Hilton Tru by Hilton Waldorf Astoria Hotels and Resorts You'll usually get the best value from Hilton points by redeeming them for award nights, either for a free hotel stay or by combining points and cash. Hilton doesn't have a standard award chart; instead, the price of an award night at a particular hotel varies based on demand, cash price, and season. Standard award nights start at 5,000 Hilton points and go all the way up to 150,000 points per night (though the cap for the vast majority of five-star hotels is 95,000 points).
Premium awards (for better rooms, suites, or high-demand dates) can cost much more. Keep in mind the lowest-priced Hilton hotels are usually budget-friendly brands (like Tru by Hilton or Hampton Inn) located off the beaten path; upscale hotels in big cities or luxury resorts will cost more points. For example, you can book an overwater villa at the Conrad Maldives Rangali Island for 120,000 points a night instead of paying over $1,300 with cash.
Or, you can stretch your points at hotels like the Hampton Inn Niagara Falls, which starts at 19,000 points per night. Always be sure to compare the cash price to the award rate, because sometimes the paid rate is so low it's better to save your points for a higher-value redemption. Hilton points are worth, on average, 0.
5 cents apiece based on Business Insider's points and miles valuations — but the exact value you'll get depends on where and when you redeem your rewards. The Silver elite status you automatically receive with the Hilton Honors American Express Card qualifies you for the fifth night free on award stays of five nights or more. This is another great way to stretch your points if you want to make them last.
Transfer Hilton points to airlines Hilton Honors partners with over two dozen airlines, and you can transfer points at varying ratios depending on the program. This typically won't result in the best value, but if you won't be using points for stays it's an option for other types of travel. Redeem Hilton points for experiences, events, merchandise, and more Other options for redeeming Hilton points also won't get you the highest value, but they could be helpful in certain circumstances: Hilton experiences — Use points for exclusive events, dining, and tours Use Hilton points for event credits — Starting at 25,000 points for a $50 credit Redeem Hilton points at Amazon — A poor value; you'll get just 0.
2 cents per point Donate Hilton points to charity — For every 10,000 points you donate, Hilton will send $25 to a charity of your choice Use Hilton points toward Lyft rides — Again, not the best value; you'll typically get around 0.2 cents per point Pool or transfer Hilton points to a friend — Send up to 2 million points per year to friends or family with no fee, or pool your points with up to 11 people to save for a redemption Hilton points expire if there's no activity in your account for 24 months. Spending on a Hilton credit card like the Hilton Honors American Express Card is an easy way to keep your points from expiring until you're ready to travel.
The Hilton Honors American Express Card comes with a handful of useful perks that can improve your travel experience and save you money. Automatic Hilton Silver elite status Cardholders receive Hilton Silver status as long as their card is open and in good standing. As Hilton's lowest elite tier, Silver status isn't exceptional, but it does come with a few handy perks: Fifth night free on award stays of five nights or more 20% points bonus on paid stays Free bottled water Elite rollover nights However, suppose you spend $20,000 or more on eligible purchases in a calendar year with your Hilton Honors American Express Card.
In that case, you'll get upgraded to Hilton Gold elite status through the end of the following calendar year. Hilton Gold status is much more valuable and includes benefits like free breakfast at Hilton hotels (currently awarded as a food and beverage credit at U.S.
hotels), an 80% points bonus on paid stays, room upgrades when available, and milestone bonuses. Car rental loss and damage insurance When you pay for your car rental with the Hilton Honors American Express Card and decline the collision damage waiver at the rental counter, you can get secondary coverage for damage to or theft of the vehicle. Some countries and vehicle types are excluded, so be sure to read the terms and conditions before you rent and note that liability insurance isn't included.
Secondary insurance will only cover amounts left over after your primary (personal) car insurance pays out. Some credit cards, like the Chase Sapphire Preferred® Card, offer primary car rental insurance, which doesn't require you to file a claim with your personal policy to get reimbursed. Extended warranty American Express cards are well known for offering excellent purchase protections, and the Hilton Honors American Express Card is no exception.
When you use the card to pay for an eligible purchase, Amex will extend the manufacturer's warranty up to one additional year on original manufacturer's warranties of five years or less. You're covered for up to $10,000 per eligible purchase and up to $50,000 per account, per calendar year. Purchase protection If you pay for an eligible item with your Hilton Honors American Express Card and it's stolen or accidentally damaged within 90 days of purchase, purchase protection could cover you for up to $1,000 per item and up to $50,000 per account, per calendar year.
Global Assist Hotline Hilton Honors American Express Card members can access Amex's Global Assist Hotline when they're traveling 100 or more miles from home. This service can provide help with issues like lost passport replacement, translation services, missing luggage assistance, and emergency legal and medical referrals, but you'll be responsible for any third-party costs incurred. Amex Offers Like other American Express cards, the Hilton Honors American Express Card includes targeted discounts and bonus rewards at participating merchants through Amex Offers **.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S.
restaurants, at U.S. supermarkets, and at U.
S. gas stations. Earn 3X Points for all other eligible purchases on your card.
$0 N/A 20.99% - 29.99% Variable Earn 70,000 Hilton Honors bonus points plus a Free Night Reward Good to Excellent Check mark icon A check mark.
It indicates a confirmation of your intended interaction. High welcome bonus Check mark icon A check mark. It indicates a confirmation of your intended interaction.
No annual fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Complimentary Silver elite status with Hilton con icon Two crossed lines that form an 'X'.
Limited benefits beyond earning Hilton points If you're an infrequent traveler and like earning Hilton points but don't want to pay an annual fee, the Hilton Honors American Express Card is definitely worth considering. Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 5X Points per dollar on purchases at U.S.
restaurants, at U.S. supermarkets, and at U.
S. gas stations. Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton HonorsTM 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 HonorsTM Gold status through the end of the next calendar year. No Foreign Transaction Fees.
Enjoy international travel without additional fees on purchases made abroad. No Annual Fee. Terms Apply.
The Hilton Honors American Express Card has no annual fee, so it's easy to keep without incurring a yearly cost. Because your credit score is partly determined by the average age of your accounts, keeping a no-annual-fee card open for the long term could potentially improve your credit score . Plus, the card doesn't charge a foreign transaction fee , which makes it a good option for international purchases.
As with most other cards, other fees may apply to certain situations, including. Cash advance fee Late payment fee Returned payment fee Hilton Honors American Express Card Marriott Bonvoy Bold® Credit Card IHG One Rewards Traveler Credit Card Annual fee $0 $0 $0 Rewards rate 7 points per dollar spent on eligible purchases at Hilton hotels 5 points per dollar spent at eligible U.S.
restaurants, U.S. supermarkets, and U.
S. gas stations 3 points per dollar on all other eligible purchases 3x points at participating Marriott Bonvoy hotels 2x points on other travel purchases 1 point per dollar on everything else 5x points at IHG Hotels and Resorts 3x points on monthly bills, gas stations, and restaurants 2 points per dollar on everything else Welcome bonus offer 70,000 Hilton Honors bonus points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first six months of card membership (offer ends 7/31/2024) 60,000 bonus points and one free night award after you spend $2,000 on purchases in the first three months from account opening 100,000 bonus points after you spend $2,000 on purchases in the first three months from account opening Travel benefits Hilton Silver elite status Upgrade to Gold status after you spend $20,000 on eligible purchases in a calendar year 15 elite night credits each calendar year Fourth reward night free on award stays of three or more nights IHG Gold elite status when you spend $10,000 or more on purchases in a calendar year Other card benefits Secondary car rental insurance Global Assist Hotline Purchase protection Extended warranty Access to discounts and bonus points through Amex Offers No foreign transaction fees Lost luggage reimbursement Baggage delay insurance Trip delay reimbursement Purchase protection Visa Signature concierge No foreign transaction fees Car rental insurance (secondary in the US, primary otherwise) Cell phone protection Trip cancellation/interruption insurance Travel accident insurance Lost luggage reimbursement Baggage delay insurance Travel and emergency assistance services Purchase protection Extended warranty 20% discount on IHG point purchases with your card No foreign transaction fees Review Marriott Bonvoy Bold credit card review IHG One Rewards Travel card review If you don't stay with Hilton very often, the Hilton Honors American Express Card could be worth it for earning Hilton points on your everyday purchases. In the first year, the welcome bonus offer alone is incredibly valuable, and benefits like Hilton Silver status can get you a few extras when you stay with Hilton.
However, if you stay at Hilton hotels with any regularity, a card like the Hilton Honors American Express Surpass® Card is a better choice. It offers a better intro bonus and more benefits, including automatic Gold elite status and Priority Pass airport lounge access. The Hilton Honors American Express Card is the only one of the four Hilton credit cards that charges a $0 annual fee.
It's easy to keep year after year — though be sure to at least make a purchase or two with the card every six months to avoid American Express closing your account due to inactivity. The Hilton Honors American Express Card doesn't charge foreign transaction fees. That makes it a great companion for overseas spending — and even domestic spending.
If you're reserving a hotel outside the U.S., you may sometimes be hit with a foreign transaction fee, even if you're sitting in your living room in Kansas.
The Hilton Honors American Express Card is a great card for those who are skeptical about the value of travel credit cards . It incurs no annual fee, so there's nothing to lose by giving it a try — and its welcome bonus offer is large enough that you'll get to experience the thrill of booking hotels for absolutely zero dollars. Hilton charges your card based on the rate you choose.
If you book a prepaid rate (generally the cheapest), your card will be charged immediately. If you book a flexible rate, you often won't be charged until your stay. If you book with points, your card won't be charged at all — unless there are taxes and fees associated with your stay.
Points stays reap the benefits of flexible rates, as you can usually cancel them up to a few days before your stay for free. Just note that there are exceptions to this, and some hotels demand you cancel weeks in advance. Business Insider's credit cards team compared the Hilton Honors Amex to other co-branded Hilton credit cards, as well as similar no-annual-fee hotel credit cards from other chains like Marriott, IHG, Wyndham, and Choice.
We assessed several factors in our review, including: Ease of use — Is the card's reward structure easy to understand? Are there complex award charts to navigate, or is redeeming points straightforward? Rewards earning — Does the welcome bonus offer a value that's as good or better than similar cards? If there are bonus categories, do they appeal to a wide variety of users? Are any categories capped at a maximum spending limit? Fees — On no-annual-fee cards, are there other fees to be aware of, like foreign transaction fees or a high APR? And if the card charges an annual fee, do its benefits justify the cost? Benefits — Does the card come with money or time-saving perks that can upgrade your travel experience? Do any benefits stand out? You can read our article on how we rate credit cards at Business Insider for a full breakdown of our methodology..
