Hilton Honors Credit Card From Amex: Generous Bonus Rewards

Here's what the Hilton Honors credit card offers.

The name Hilton is famous for two things: hotels and Paris. While the Hilton Honors American Express Card doesn’t share that limelight, frequent guests of the hotel might want to consider its travel-related features. Read on for a review of the product to see if this card will fit your travel and financial plans.

Hilton Honors Credit Card at a Glance 
Annual FeeNone
APR17.49 to 26.49%
RewardsEarn 75,000 Hilton Honors Bonus Points after you spend $1,000 within your first three months
Features7x Hilton Honors Bonus Points for every $1 spent at a participating Hilton hotel;
5x bonus points for every $1 spent at U.S. restaurants, supermarkets and gas stations; 3x bonus points per $1 for all other purchases
Late FeesUp to $38
Returned Payment FeesUp to $38
Overlimit FeesNone
Information accurate as of Sept. 13, 2018.

The Hilton Honors credit card offers is great for frequent hotel travelers due to its robust rewards points system, which can be redeemed for hotel reservations, travel upgrades and more. Here’s a quick breakdown of the pros and cons of this credit card:

Hilton Honors Credit Card Pros

Here are some of the credit card’s highlights:

  • No annual fee
  • A hefty introductory bonus of 75,000 points
  • Tiered point system can be redeemed for goods

Hilton Honors Credit Card Cons

Here are some of the credit card’s lowlights:

  • High variable APR
  • Points can only be redeemed within the Hilton network
  • Points expire if your account is inactive for 18 months

Related: I Paid Off My Mortgage With a Credit Card — Here’s How

Continue reading this review to find out:

What You Need to Know About the Hilton Honors Credit Card

The card gives its holder considerable purchasing and spending power, especially when it comes to Hilton-specific buys. And even though your reward redemptions are limited to whatever is available through Hilton, the fact that you can earn three points for every $1 spent on generic purchases already gives it an edge over competitors.

Best for: Frequent guests at Hilton hotels, consumers looking for a card that earns them multiple points at once, and frequent travelers.

Best Features of the Hilton Honors Credit Card

This card has no annual fee, which means it won’t hinder your budget, although note the high APR. Though the card provides a generous introductory bonus of 75,000 points once you spend $1,000 in three months, there are no introductory terms for 0% APR like other cards might offer. That said, its tiered point system has the potential to give cardholders back some of their spending. You can redeem points on hotel stays, concerts, vacation packages and even airline tickets.

The card also comes with complimentary Silver Status, which means you will receive a 20 percent bonus on points earned from your stays at Hilton.

Travel Perks

The card benefits travelers by providing roadside assistance and baggage insurance, the latter of which covers up to $1,250 for carry-ons and $500 for checked bags. American Express also offers cardholders the Global Assist Hotline, which can come in handy for lost passports, translation requests, missing luggage and more. Furthermore, the card gives you the benefit of ticket presales in cities you’ll be traveling to.

Additional Fees and Penalties

Both the purchasing and balance transfer rates fall between 17.49 and 26.49% APR, which isn’t among the lowest interest rate credit cards out there. Cash advance APR is 26.99 percent — on top of a fee of either $5 or 3 percent of the amount advanced — and the penalty APR is 29.99 percent. The card doesn’t carry an annual or foreign transaction fee, but late or returned payments will run you up to $38.

The Bottom Line

Travelers who already use Hilton services will get the most mileage out of this card, as the tiered point system lets you rack up rewards quickly which you can then redeem through Hilton. Even without that, the lack of foreign transaction fees and the various travel perks make this a solid choice for jetsetters. Potential cardholders should note the high APR and fees, as well as the limitations of a Hilton-focused product.

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This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express or Hilton Hotels and Resorts.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion, and some bonus offers might no longer be available on the issuers’ websites, depending on how you access the web page.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.