Hilton HHonors™ Card from American Express

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Hilton HHonors™ Card from American Express’ Rewards

50,000 points
Base Earn
3 points / $1
Max Earn
7 points / $1
  • Earn 50,000 Hilton HHonors™ Bonus Points after you spend $750 in purchases on the Card within your first 3 months of Card Membership.
  • Get 7X Hilton HHonors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Get 5X Hilton HHonors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Get 3X Hilton HHonors Bonus Points for all other eligible purchases on your Card. Terms and limitations apply.
  • Enjoy complimentary Silver status with your Hilton HHonors™ Card.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn HHonors Gold status through the end of the next calendar year.
  • Terms and Conditions apply.

Hilton HHonors™ Card from American Express’ Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
15.49% - 19.49% (V)
    3% (min $5)

Hilton HHonors™ Card from American Express’ Additional Info

  • MAX LATE FEE   $37
  • MAX PENALTY APR   29.49% (V)
  • GRACE PERIOD   25 days
    25.49% (V)
    3% (min $5)
  • SMART CHIP   Yes, chip-and-signature
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Customer Reviews

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4.1 out of 5

245 reviews
Photo of John
Mar 13, 2016
I travel a bit and prefer to stay in Hilton wherever I go. I got this card due to the signup bonus at the time. It was actually better than that shown on your website. If you are like me and like those two things, then this is not a bad card to get. The silver status, and then gold, gets you perks when staying at Hilton hotels. I haven't needed to use their customer service; I imagine it would be just ok. As well, I pay off my bill monthly so the APR does not bother me.
Photo of Melisa S.
Sep 24, 2015
The Hilton HHonors card seems to have some good selling points, and some that are not so great. The initial bonus of 40,000 bonus points is a great feature when you consider how many nights you may be able to book for free with just those points alone. The regular point values seem to be reasonable as well, which means that this card would probably pay for itself on hotel rooms alone. However, I find that for a card such as this, the interest rate appears to be rather high. Also, be charged both a cash advance rate and a cash advance fee is a little over the top. I more
Photo of Frank R.
Sep 2, 2015
I travel a lot, almost 11 months a year. I am currently in the US and I have a burner phone (because of my extensive traveling) and they will not verify my account to it, to clear a hold on it. Their customer service seems to be the worst that I have had among any of the cards I held and I am a gold member in Hilton and soon will be platinum, but I think I will probably cancel this card, due to there crappy service.
Photo of Edward O.
Jun 12, 2015
The Hilton HHonors Credit Card is one of the best decisions I have made. If you just spend $750 within the first three months after getting the card, you get a bonus of 40,000 points! For those not familiar with the HHonors program, you can use these points (along with other points you earn using the card) for free hotel stays. The APR is a little high, but this card is a great idea for people who travel often and want to earn rewards that help them save on travel expenses.
Photo of Bradley J.
May 31, 2015
I absolutely love my Hilton Honors Credit Card from American Express! It is so convenient, and the online services are extremely easy to use and comprehensive. I frequently stay in Hilton branded hotels, and love accumulating Hilton Honors points for just purchasing items that I would normally purchase with my credit card. I also love that the majority of physical and online vendors accept American Express, so I never run into any issues with using the card. I would absolutely recommend this card to my friends and family members.
Photo of Steve K.
May 12, 2015
The Hilton HHonors credit card looks like a great card to have for traveling. The amount of points you can earn is fabulous compared to other cards that I have. Also the interest rate is good and no annual fee makes this a great card to have. The only thing I wish this card included was no foreign transaction fee and a smart chip. Having both of those would bump this up to a 5 star card. Also, with only needing a "good" credit score, makes it a card I qualify for.
Photo of Trevor M.
Apr 23, 2015
The Hilton HHonors Credit Card is great. The added bonus you get when you sign up and spend one thousand dollars within three months was a great selling point for me. Not only do you get the initial bonus points, but you continue to get more points as you spend with this card. When I make my reservation with Hilton I get five hundred points that is a great deal! The only down side is the late fee is a little higher than some other cards I own.
Photo of Melissa J.
Apr 6, 2015
I really like that Hilton Honors provides you with bonus points when signing up for the card as well as when you spend a certain amount within in specific amount of time, this really helped with my trip that I took to Colorado this last Christmas . I also like that the cash advance fee is only 3% and there is no fee for going over the your limit. This is my go to card; I choose it above all others since I am able to earn points at a variety of locations!
Photo of Brandon S.
Mar 23, 2015
This seems like a pretty standard credit card to me. I do like the idea of how many points you can earn at a variety of locations, but without some indication as to what those points can be redeemed for or how many points it takes, it's meaningless. For all I know, it could take 1,000,000 points to get a reward. I also dislike the foreign transaction fee. This makes me less likely to use it when I'm abroad.
Photo of Jaron C.
Mar 6, 2015
I have never used a credit card that does the whole point system before, preferring instead to have lower interest rates. However, as someone that is able to keep their spending in check and likes to travel, it might be worth looking at the Hilton HHonors credit card in the future. I like that there are no blackout dates, and no annual fees. The late fee is a little steep, but that shouldn't be a problem if you use the card responsibly. That cash advance rate is also a bit ridiculous, but there's an easy solution to that: Don't use a credit card to pull cash out of an ATM.
Photo of LeighannandCaleb S.
Feb 18, 2015
The HiltonHHonors Credit Card actually has all of the standard features I've come to expect from credit cards that offer rewards programs. Credit qualification is not too hard. They have the sign-up bonus points, they have incentive bonus programs for select purchases like gas and supermarkets, and they have a base point program for all other purchases. This is the same sort of thing I see with the Amazon rewards card or the Barnes and Noble rewards card. Probably the thing that throws off some users is that 3 points equals $1. Why not just make it 1 for 1? Fees are pretty comparable across other credit cards I own. more
Photo of Robin S.
Dec 30, 2014
The Hilton HHonors Credit Card offers some really great rewards! For people new to the card, you will get 40,000 points if you spend $750 within your first three months! But that's not all! You will get 7 points per dollar for every dollar you spend at Hilton properties! You will also get 5 points per dollar spent at all eligible restaurants, supermarkets and gas stations! Finally, you will also receive 3 points per dollar on all other eligible purchases! I have to say, this is by far one of the best rewards programs I have come across! If I could give it more than five stars I would!
Photo of Dave B.
Dec 4, 2014
All around, this is a pretty solid card to use should you find yourself staying in Hilton Hotels more often than not. The fact that the Hilton HHonor Credit Card has no annual fee makes the card worth it alone. The real benefit of this card, though, is the HHonor points. After accumulating the points for some time on this card, I used the points to book a nice little room in the Hilton Grand Vacation Suites, just a block off the Strip in Las Vegas!

Now down to the brass tacks. The rate should you not pay off your balance is a bit high, but all credit cards will more
Photo of Alicia R.
Nov 21, 2014
The Hilton HHonors card has many great benefits especially for those of us who are frequent travelers. If you plan to spend much in the first several months, there is a 40,000 bonus for spending $750 in the first three months. There is also a bonus where you an earn 7 points for purchases within the HHonors portfolio brands, 5 points for US Restaurants, Supermarkets, and Gas Stations, and 3 points for all other purchases. If you are a frequent traveler, you can book your stay with this card and earn 500 bonus points on any hilton honors room stay worldwide. Great card with great advantages.
Photo of Jenn S.
Oct 31, 2014
The Hilton HHonors Credit Card comes with a nice sign-up bonus of 40,000 points and is easy to earn by spending $750 on the card within the first 3 months. The interest rate is a little high and you could get a better rate with a USAA card if thats important to you. There is no annual fee on this card. This card is especially useful if you frequently stay in Hilton hotels as you earn 7 points per dollar spent on their hotels.
Photo of Michael K.
Oct 1, 2014
First thing I notice about the Hilton HHonors Credit Card is that to get the 40,000 bonus points it is very easy. You only have to spend 750 dollars in three months, that is not bad at all. I really like that is does not have an annual fee, I am completely against all annual fees for credit cards. It seems very easy to earn points and there are ways to earn different amount of points. I think that the max late fee is a little high at 37 dollars but there is a grace period of 25 days so that somewhat makes up for it. This is similar to more
Photo of Jaime T.
Aug 18, 2014
Hilton is a well known hotel chain with an excellent reputation. The Hilton HHonors credit card offers many features that I find attractive. The bonus points program is outstanding. This is much better than the Marriott Rewards points. The complimentary "Silver" status and no blackout dates on hotel stays are a plus. Also the insurance offered through the added travel benefits could come in very handy. Although there is no intro rate, the 15.24% - 19.24% is pretty typical and really not a bad deal when you consider there is no annual fee.
Photo of Michelle V.
Aug 18, 2014
The Hilton HHonors Credit Card seems like a really good deal. The points reward system being the biggest inviting factor. The APR seems a little high and I wish they would lower it. Maybe offer a "0% interest rate for your first year" deal if you're not the person who travels often.
I like the fact that its not just hotel stays that earn your points. The ability to use this card when overseas is a plus, though the fee percentage is kind of high, however the grace period is phenomenal, never seen one so long. All in all, an A+ card.
Photo of Chad C.
Aug 5, 2014
This is a credit card that I can see myself using in the future. The point reward system is very good and it is easy for me to rack up points through things like travelling, which I do quite often. Also, I like the no blackout days. Overall, this is a very good credit card that I would highly recommend to anyone that likes point bonus reward systems.
Photo of Pauline J.
Jul 30, 2014
I really like this credit card. The perks are quite obviously the best part about it. I go traveling a lot so the points really pay off for me. The customer service is really great whenever I have a problem. They're always very nice and care about fixing whatever is going on. I rarely have any problems with them though. I dislike the fees, but I dislike any fees in relation to credit cards.
Photo of Liz N.
Jul 8, 2014
There are a lot of things to like about this card. It is easy to accrue points - both while traveling, and while at home. With no black-out dates for redeeming nights, it should be easy to spend those points, as well! Still, the interest rate is a bit high - and the penalty APR is very high... You need to manage this card carefully in order for it to be beneficial!
Photo of Lindsey M.
Jul 8, 2014
The interest rate seems a little high on the Hilton Credit Card, but there are many perks to this card. It certainly is worthwhile if you're a traveler and like the Hilton brand hotels. 5 points per dollar at gas stations, grocery stores and gas stations is a bang for your buck! I also like that the card has a 25 day grace period for accruing interest. I am, however, concerned about the foreign transaction fee- seems like a catch 22 for a travel card.
Photo of Nathan B.
Jun 25, 2014
The Hilton HHonors Credit Card is one of the best on the market. The rewards are great, as you get a lot of points cashed in for your first $750 spent. If you are someone who does a lot of traveling, this is card for you! Also as a bonus are the minimal fees. Overall, a very good card!
Photo of Early N.
May 30, 2014
I think the Hilton Credit Card is great! Some of the great things about this card is that there is no annual fee, and there is a big bonus of points after you only make $750 of purchases with the card. This bonus is higher than other cards like Capital One cards. The regular rates are fairly low. However, the foreign transaction fee is not 0% like it should be. This is a hotel card, most likely for travelers. They should make this card more travel friendly. I wouldn't want to be stuck using this card when I'm abroad. This is a great card, but it is not for everyone.
Photo of Daniel L.
May 23, 2014
I really like the Hilton Credit Card's Hilton HHonors Bonus Points system, offering tons of benefits and incentives. I do not like the lack of a Maximum Overlimit Fee, and the Max Late fee is higher than Credit One Bank®'s Credit Card.
Photo of Vicky T.
May 12, 2014
I like the fact that this card has no annual fee, and a maximum late fee. For travelers, this is a very useful card, as the points for Hilton rooms are rather generous, and things like baggage insurance and rental car insurance are excellent benefits. No blackout dates are a real bonus, and the interest rates, while a bit high, are still reasonable.
Photo of Jessica G.
Apr 10, 2014
The Hilton Credit Card is great if you're a traveler! The APR and cash advance rates are great! Also, the initial bonus of 40,000 points is a great incentive.
Photo of Daniel L.
Mar 24, 2014
I switched from the Marriott Rewards card to this Hilton credit card for two reasons: the annual fee and I simply found myself staying in more Hilton affiliated hotels. Marriott Rewards gave me a little more initial sign-up points, but after that first year it felt like I was breaking even having to pay the annual fee. With the Hilton credit card, I'm guaranteed at least one free stay with my family a year, which helps a lot.
Photo of Dawn M.
Mar 7, 2014
The Hilton Credit Card has very attractive terms. The most surprising is that there is no annual fee. The range of interest rates is a little steep, however not unreasonable. The rates are competitive to other similar offers. The Hilton Credit Card also offers cardholders some pretty nice reward points toward future stays with no blackout dates. This is a really nice perk for business or personal frequent travelers. The card also offers baggage insurance which is essential in today's world. The Hilton Credit Card is a really smart offer.
Photo of Dennis S.
Feb 25, 2014
This is not a bad card compared to other credit cards, but it is also not the best. It is a mediocre card that will work for someone who does not care much about rewards. The interest rate is a little better than most. The Hilton credit card is for those who do a lot of traveling, so keep that in mind before applying for this. Based on what I have used before, I would give this card a 4 out of 5 rating.
Photo of Sean P.
Jan 13, 2014
I find that this points card is a disingenuous way to encourage you to spend more money on your card. Despite this though the interest for these cards is very low. However I find it much more rewarding to use a cash back card such as the Blue Cash American Express Card. I save far more money using that credit card than I ever would with this Hilton Card.
Photo of Jane L.
Dec 10, 2013
If you are a frequent traveler who likes to stay in Hilton Hotels, the Hilton Credit Card just might be the card for you! The initial bonus of 40,000 points is a huge perk and you'll be racking up more points in no time. The interest rate is actually pretty decent for this kind of card, 15.24% - 19.24%, with rates similar to some cashback cards, such as the American Express Blue Cash Card. The no annual fee makes this a no brainer for Hilton lovers.
Photo of Zeb D.
Nov 29, 2013
The Hilton Credit Card seems like it would be a great fit if you traveled often. The rewards system is a nice feature, especially the initial bonus. The transfer rate and annual percentage rate are almost identical to the credit cards I now have. An especially nice feature of the rewards system is that there are no blackout dates when redeeming your points. My Amtrak reward card is notorious for only allowing certain dates for redemption. The one thing I don't like is the foreign transaction fee. If you're someone who travels a lot, this would be a bit of a nuisance. If you take into consideration that there is more
Photo of TJ A.
Nov 27, 2013
I don't typically go for cards that rely on a point system. My current card, the Discover It Student, allows me to earn actual cash back and spend my earnings online. However, I do like that this card have a low interest rate (much lower than any of the three I currently hold) and I appreciate that. The Hilton Credit Card doesn't require much credit in order for you to qualify. The 25 day grace period is amazing for someone like me who just got out of college and trying to establish himself, we can't always make payments on the due date; but we do what we can and Hilton more
Photo of Krystal M.
Nov 20, 2013
The Hilton Credit Card is great! It doesn't require excellent credit to qualify and there isn't an annual fee. Cards similar to this usually have a rather hefty annual fee. They don't offer an intro rate, but their interest rate is just phenomenal! Starting at 15% to 19% interest rate, its considerably lower then their competitors. I can't say enough good things about this card. Their reward point system is really top notch. They offer a great initial bonus along with several perks and services. To top it off, there isn't a limit on how many points you can earn. This card is a must for frequent travelers. They also more
Photo of Jon S.
Nov 13, 2013
I much prefer this card to the Hyatt card because there is no annual fee, and the rewards system gives you a comparable points system based on the amount you spend. You start off with a hefty chunk of reward points already too, which can immediately be used for free nights and other related services with the Hilton hotel chain. A great card for frequent travelers or people that want to save up free stays for a vacation, this card is a solid performer. The only potential downside is that this is an American Express card, which is not as widely accepted as the Visa and Mastercard alternatives.
Photo of Dan D.
Nov 7, 2013
The Hilton Credit Card is a card that packs a punch. True it's for good credit, but it's not an unobtainable card. If you like to travel a lot and don't want to stay in motels, this is the perfect card for you. Hilton is one of the top brands in Hotel accommodations so you know you won't be disappointed. The best part about this card is that there is no annual fee. A similar card, the Capital One Venture Rewards card has a $59 annual fee after the first year. Free is always better in my book. With the Hilton Card you get 3 points for every $1.00 spent more
Photo of Gregory B.
Nov 1, 2013
This card is good because there is no annual fee. Also, if you spend a lot each year, $20K plus, the extra perks are pretty good. I've actually used the baggage insurance plan before, and it worked out pretty well, so if you're a frequent traveler, this would be a pretty good card. I also had a Capital One No Hassles Travel Card, but only really ended up using it to get the 2% cash back on travel purchases. The Hilton card really does go farther if you travel a lot. Another thing I like about the Hilton card is that there are no blackout dates for hotel stays, so more
Photo of Carla M.
Oct 27, 2013
Awesome for travel, especially with using and acquiring points! I really like the idea of being able to have auto rental insurance too. And wherever you go, there is sure to be a Hilton nearby that you can stay at and redeem some of those points!
Photo of James C.
Oct 22, 2013
The Hilton Credit Card is good if you are traveling a lot. I use this card when I travel across the United States. This card in my opinion is very helpful to me because I can receive points when I use the Credit card which turns into a one free night at the hotel. This credit card does not have Annual Fee which is very good because most of the other credit cards have. Also it is very easy to make payments on the website to pay the monthly payments. Overall, I am very happy with this credit card.
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Last updated on: Sep 26th, 2016 at 3:35 EDT

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