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

Hilton Honors American Express Card

The Hilton Honors American Express Card is built for casual travelers who want to collect hotel rewards on daily purchases without taking on an annual fee. It functions as both a brand card for Hilton stays and an everyday card for U.S. dining, supermarket, and gas purchases.

Welcome Offer
Earn 70,000 Bonus Points plus a Free Night Reward
Annual Fee
$0
Rec. Credit Score
Good
Good For
Occasional Hilton hotel 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...

No-annual-fee hotel rewards

Everyday U.S. spending categories

Entry-level Hilton elite perks

For occasional travelers who prefer Hilton properties but stay too infrequently to justify a recurring annual fee, this card offers solid value. The earn rates on U.S. restaurants, U.S. supermarkets, and U.S. gas stations make it easy to accumulate points during regular routine spending. You also gain complimentary Hilton Honors™ Silver Status, which grants perks like a 20% point bonus on stays and the fifth night free on award redemptions.

Keep in mind that Hilton Honors™ points are valued lower than flexible bank points, so high multiplier rates do not translate to massive cash-equivalent returns. Frequent guests will likely outgrow the basic benefits quickly, as higher-tier Hilton cards include free night certificates and Gold or Diamond Status. Still, for a zero-annual-fee card, it serves as an accessible way to keep a Hilton points balance active and build toward free nights.

MaxRewards

MaxRewards Verdict

This card is a strong choice for budget-conscious spenders who want free Hilton stays without paying an annual fee. Serious brand loyalists will do better with premium options that offer higher elite status and free night awards.

Welcome Offer

Earn 70,000 Bonus Points plus a Free Night Reward

after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027.

Est. Value

$280

Required Spend

$2,000

Time Frame

6 Months

Est. Value

$280

Required Spend

$2,000

Time Frame

6 Months

Earning

Rewards

Earning centers on Hilton Honors points, with high multipliers on direct hotel spending alongside popular domestic categories like dining, groceries, and gas.

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

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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Premium Car Rental Protection Enrollment Required

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. 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

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

N/A

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment

Up to $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 $4,500

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

  • 5X5Xpoints on flights and prepaid hotels on AmexTravel.com
  • 5X2Xpoints on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 5X1Xpoints on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of The Business Platinum Card® from American Express, please visit the American Express website.

American Express® Business Gold CardAmerican Express® Business Gold Card

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

Worth $3,000

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.

  • 5X4XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 5X3XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

American Express Platinum Card®American Express Platinum Card®

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

Worth $2,625

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.

  • 5X5XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 5X5Xpoints on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 5X1Xpoints on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

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