Citi Hilton HHonors Reserve Credit Card Review

Advertiser Disclosure

For Hilton enthusiasts, the Citi Hilton HHonors Reserve credit card is worthy of consideration. Since Hilton Hotels has one of the largest footprints of any hotel chain out there, with 540 properties across 78 countries and six continents, it makes sense that some people stay loyal to Hilton. Travelers can find a Hilton in most of the major cities on earth.

If you are a loyal to a certain hotel chain, it just makes sense for you to have one of their co-branded credit cards.  Hilton has several, and the one being reviewed today is the Citi Hilton HHonors Reserve credit card.  Let’s check out some of the benefits below and see if it’s a card you need in your wallet!




Every good credit card has a solid sign up bonus, and the Citi Hilton HHonors Reserve Credit Card doesn’t disappoint.  For spending $2,500 in the first four months of card membership, you’ll receive two weekend night certificates, good at almost every Hilton property out there.  The only ones excluded can be found here.

Furthermore, the Citi Hilton HHonors Reserve Credit Card earns points on every purchase made.  If you make a purchase within the Hilton HHonors portfolio, you’ll earn 10 HHonors points per dollar.  If you spend your money on airline and car rentals, you’ll earn 10 HHonors points per dollar.  Everything else, you’ll receive three HHonors bonus points per dollar.

Another great benefit is HHonors Gold status as long as you hold the credit card.  This means room upgrades and bonus points when you stay (and free breakfast!).  Plus, if you spend $40,000 on your card in a calendar year, you’ll be upgraded to Diamond status with Hilton, which allows you access to suites and even more bonus points.

For you foreign travelers, this credit card has no foreign transaction fees.  This means you avoid what is often a 3% fee on purchases when traveling abroad, a major annoyance.

As a reward for keeping the card more than a year, you’ll receive an anniversary bonus of one weekend night at a Hilton hotel if you spend more than $10,000 a year with the card.   This is a great incentive for those that want to use this as a ‘regular spend’ credit card, since that’s less than $2,000 per month in purchases.

The Nitty Gritty

For this card, you’ll have a 15.24% APR, with penalty APR up to 29.99%.  Annual fee is $95 a year, and balance transfers are charged either a $5 fee or 3% of the transaction, whichever is greater.  Cash advance is either $10 or 5%, whichever is greater.  Penalty fees run the standard $35.



This is a very solid card offering from Hilton.  The bonus weekend nights, the high points earning, and free status just for having a card make this a great deal.  I’ve used the card when staying at properties around the world and the Gold status really makes a difference, especially in Asia, where I’ve often been granted a suite.  If you plan on staying at a Hilton hotel at least once a year, I would definitely consider getting the Hilton HHonors Reserve Credit Card.  The benefits are just that good!

Interested in other Hilton cards? Check out our review of the Citi Hilton Visa Signature credit card.

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