Amex Hilton HHonors Credit Card Review

Advertiser Disclosure

Many other cards from Hilton have been covered on this site.  It seems a little ridiculous that there are four Hilton credit cards spread over two different credit card issuing banks, but this is the world we live in.  This article is aimed at reviewing the most basic of Hilton credit cards issued by American Express, the Hilton HHonors Card from American Express (clever name, right?).  Let’s dig into the details and see if this card earns a spot in your wallet!



The first thing that most people want to know when they are applying for a credit card is “What’s the sign-up bonus?”  Well, the sign up bonus for this credit card is 40,000 Hilton HHonors points, which can be used for any Category 1-8 hotel in the Hilton lineup (hotels like the Arizona Biltmore, Conrad Chicago, and Conrad Miami are some examples).  These points are granted to you when you make $750 in purchases within the first three months of cardmembership.

Furthermore, you’ll earn a ton of bonus points when you use this credit card, especially if you are using it on Hilton purchases.  For all Hilton HHonors purchases you make, you’ll earn seven points per dollar spent.  This includes any money spent on reservations, onsite spend, and other purchases on the Hilton website.  Furthermore, you’ll receive five points for every dollar you spend at restaurants, gas stations, and supermarkets.  Finally, you’ll receive three points per dollar spent on everything else.

A great feature of the card is all of these benefits come with an annual fee of zero dollars.  That’s right.  This card has no annual fee!  Furthermore, you’ll receive HHonors Silver Status as long as you are a cardmember.  This comes with a 15% bonus on all base points earned.  And, if you are a big spender (I’m talking $20,000 per calendar year), you’ll receive HHonors Gold Status, which comes with room upgrades and free breakfast.  It’s a great mid-level status to have (I’ve been upgraded to suites in the past!).

Finally, there are some other miscellaneous benefits that come with most American Express credit cards, including rental car protection, great customer service, and purchase protection.  Your APR depends on your credit score, and will be either 15.24, 17.24, or 19.24 percent.  APR for cash advances is 25.24%.



As a frequent guest of Hilton, you have many options when it comes to credit cards.  One of the biggest factors for this card is that it offers a similar sign up bonus as the other cards, but with no annual fee.  The opportunity to earn Gold status for $20,000 in spend in a year is attractive, since that is less than $2,000 in spend in month (easy for a family of four to hit!).

Furthermore, the sign up bonus gets you in the door of a seriously aspirational Hilton property, available worldwide!  Or, if you’d prefer, you can split the points over multiple nights at a lower category hotel.  The possibilities are endless.  So, is this card a fit for your wallet?  If so, apply away!

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