Citi Hilton Visa Signature Credit Card Review

Advertiser Disclosure

Everyone loves a good hotel.  Hilton has hundreds of them.  Ranging from the ultra luxurious Waldorf-Astorias and Conrads down to Hilton Garden Inns, there’s something for everyone.

And, if you find yourself staying at Hiltons often, it makes sense to own one of their credit cards, since you get so many benefits just by having it in your wallet.  So, let’s dig into one of Hilton’s card offerings, the Citi Hilton Visa Signature Card, shall we?

 

Benefits

Sign-up bonuses are often the most important aspects for a consumer, so let’s take a look at that first.  For this card, you’ll receive 40,000 HHonors Bonus points after spending $1,000 in four months.  That means you’ll be able to spend those for a free night at a pretty decent Hilton property (category 8 to be exact, check out this site for details).

Furthermore, you’ll have plenty of opportunities to earn bonus points when using the Citi Hilton Visa Signature Card – up to 6 points per dollar!  When you spend money at a Hilton property, you’ll earn six points for every dollar spent (that includes room rate and on-property spending).  Furthermore, every dollar spent at supermarkets, drugstores, and gas stations will earn 3 bonus points.  Every other dollar spent will earn two points per dollar.

Status is always important, and you’ll receive Silver status automatically by owning this credit card.  Benefits include a 15% bonus on base points when staying at a Hilton and complimentary health club access.  Plus, if you stay four times at a Hilton in the first four months of card membership, you’ll be placed with Gold status, which gets you room upgrades, free breakfast, and more bonus points.

Another great benefit of this card over other Hilton cards is the fact that it has no annual fee, making cost of card membership free if you pay your bills on time and in full!

 

The Nitty Gritty

This card’s APR is 14.24%, and balance transfers of 14.24% APR as well.  Cash advances carry a stiff 25.24% fee, and a penalty APR of 29.99% applies if you make a late payment or have a returned payment.

Transaction fees are stiff as well, with foreign transaction fees racking up 3% of every purchase, balance transfers at 3% or $5, whichever is greater, and cash advances at $10 or 5%, whichever is greater.  Penalty late fees are up to $35.

 

Conclusion 

This card is a great solution for those that stay often at Hilton properties, since other Hilton credit cards carry an annual fee.  You’ll receive a nice sign-up bonus, free status (especially if you stay four times in the first four months, which will get you Gold status), and some bonus points every time you spend money with Hilton.

The downsides compared to others is no automatic Gold status, less bonus points for every dollar spent, and no automatic free nights on sign-up or anniversary nights with $10,000 spend.  It’s important to review your spending habits and see if the card is worth it for your wallet.  If it is, apply away!

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