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  1. Credit Cards
  2. Hilton Honors American Express Card
American Express

Hilton Honors American Express Card

This card is built for Hilton guests who want to earn Hilton points without paying an annual fee. It works best as an entry-level hotel card for occasional Hilton stays and everyday spending at U.S. restaurants, supermarkets, and gas stations, rather than as a broad travel card for all-around value.

Welcome Offer
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card
Annual Fee
$0
Rec. Credit Score
Good
Good For
Occasional Hilton guests
How to ApplyEstimate your value

Terms Apply. For rates and fees of Hilton Honors American Express Card, please visit the American Express website.

Hilton Honors American Express Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Hilton Honors American Express Card worth it?

This card is great for...

Hilton hotel stays

No annual fee hotel rewards

U.S. dining, grocery, and gas spending

Yes, if you stay with Hilton at least a few times a year and want a simple way to build Hilton points without adding an annual fee. The card's strongest appeal is straightforward: elevated earnings on Hilton purchases, decent bonus categories for common U.S. spending, no foreign transaction fee, and automatic Hilton Honors Silver status. The welcome offer can also be a solid jump-start if you already have a Hilton redemption in mind.

It is a weaker fit if you want flexible rewards or the richest hotel perks. Hilton points are worth less per point than many transferable currencies, and Silver status is a modest benefit set. If you rarely stay at Hilton properties, this is probably too specialized to be your main card. For Hilton loyalists on a budget, though, it is an easy card to justify.

MaxRewards

MaxRewards Verdict

A good no-annual-fee pick for travelers who regularly book Hilton and want to earn in the program without paying for premium perks. If Hilton is not a consistent part of your travel plans, the rewards are too narrow to make this card especially compelling.

Welcome Offer

Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card

after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.

Est. Value

$320

Required Spend

$2,000

Time Frame

6 Months

Est. Value

$320

Required Spend

$2,000

Time Frame

6 Months

Earning

Rewards

This card earns Hilton Honors points, so the value is tied closely to how often you redeem for Hilton stays. The bonus categories line up well with common spending, but the card makes the most sense when those points are feeding future Hilton bookings.

CategoryRate

Hotels & Resorts (Hilton)

2.8%

U.S. Restaurants, U.S. Supermarkets, U.S. Gas Stations

2%

All Other Eligible Purchases

1.2%

Rewards percent based on a valuation of 0.4¢ per Hilton Honors point

Annual Credits & Perks

Benefits

The practical value here is light, which is typical for a $0 annual fee hotel card. Most of the day-to-day upside comes from Hilton status and the ability to earn more points on Hilton stays, rather than from recurring statement credits.

BenefitAnnual value
$250

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

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Hilton Honors American Express CardVenue Collection
Autotracked
$0 of $250Every 12 months

Benefits

Credits

Hilton Honors Bonus Points

Benefits

Insurance

Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory 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. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.


Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.


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.


Premium Car Rental Protection Enrollment Required

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage. Terms apply.

Benefits

Status & Access

Complimentary Hilton Honors Silver Status

Enjoy complimentary Hilton Honors Silver status with your Card.


Earn an Upgrade to Hilton Honors Gold Status

You can earn an upgrade to Hilton Honors Gold Status through the end of the next calendar year after you spend $20,000 on eligible purchases on your Card in a calendar year.


Amex Special Ticket Access

Card Members can access Amex 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. While supplies last, not all seats may be offered.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$10

Late Payment

$40

For rates and fees of Hilton Honors American Express Card, please visit the American Express website.

Table of Contents

Hilton Honors American Express Card

Hilton Honors American Express Card

How to Apply

Terms Apply. For rates and fees of Hilton Honors American Express Card, please visit the American Express website.

For rates and fees of Hilton Honors American Express Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.