Hilton HHonors™ Credit Card

Hilton HHonors™ Credit Card
Required Credit Score: Excellent, Good
4.5 155 reviews   Write a Review!
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Hilton HHonors™ Credit Card's Rewards

Bonus
40,000 points
Base Earn
3 points / $1
Max Earn
7 points / $1
Earn / Redeem Limit
No
  • Get 40,000 Bonus Points when you spend $750 within the first three months of Cardmembership.
  • Earn 7 Hilton HHonors Bonus Points for each dollar of eligible purchases charged directly with a participating property within the Hilton HHonors portfolio of brands.
  • Earn 5 Hilton HHonors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3 Hilton HHonors Bonus Points for all other eligible purchases on your Card.
  • Enjoy complimentary Silver status with your Card.
  • No Blackout Dates: No blackout dates when redeeming for hotel stays.
  • Make your reservation on the card and receive 500 HHonors Bonus Points when you book accommodations online with any Hilton Worldwide brand site.

Hilton HHonors™ Credit Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
15.24% - 19.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Hilton HHonors™ Credit Card's Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   27.24% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 3% (min $5)
  • FOREIGN TRANSACTION
    FEE  
    2.7%
  • No annual fee.
  • Travel benefits: Baggage Insurance Plan, Rental Car Insurance, Travel Accident Insurance and more.
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Hilton HHonors™ Credit Card Reviews

 
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4.3
Overall Rating: 4.3 / 5
Total Ratings: 155
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Aug 18, 2014
Photo of Jaime T.
4
By:
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.
Aug 18, 2014
Photo of Michelle V.
5
By:
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.
Aug 5, 2014
Photo of Chad C.
4
By:
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.
Jul 30, 2014
Photo of Pauline J.
4
By:
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.
Jul 8, 2014
Photo of Liz N.
4
By:
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!
Jul 8, 2014
Photo of Lindsey M.
4
By:
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.
Jun 25, 2014
Photo of Nathan B.
4
By:
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!
May 30, 2014
Photo of Early N.
4
By:
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.
May 23, 2014
Photo of Daniel L.
4
By:
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.
May 12, 2014
Photo of Vicky T.
4
By:
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.
Apr 10, 2014
Photo of Jessica G.
4
By:
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.
Mar 24, 2014
Photo of Daniel L.
4
By:
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.
Mar 7, 2014
Photo of Dawn M.
3
By:
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.
Feb 25, 2014
Photo of Dennis S.
4
By:
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.
Jan 13, 2014
Photo of Sean P.
2
By:
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.
Dec 10, 2013
Photo of Jane L.
4
By:
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.
Nov 29, 2013
Photo of Zeb D.
4
By:
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
Nov 27, 2013
Photo of TJ A.
3
By:
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
Nov 20, 2013
Photo of Krystal M.
5
By:
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
Nov 13, 2013
Photo of Jon S.
4
By:
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.
Nov 7, 2013
Photo of Dan D.
5
By:
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
Nov 1, 2013
Photo of Gregory B.
4
By:
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
Oct 27, 2013
Photo of Carla M.
5
By:
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!
Oct 22, 2013
Photo of James C.
5
By:
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.
Oct 16, 2013
Photo of Michael S.
3
By:
The Hilton Credit Card is great if you are a frequent business or leisure traveler. Earning points should be easy if this is you. It's a great feature where you can earn free rooms, especially if you plan on being on the road a lot. However, if not, it can take a while to get enough points for a free room. It would take spending over $700 with Hilton, just to get a free room, as Hilton says as few as 5,000 points can get you a room. So if you're not a frequent traveler, look for other cards that fit your needs. But if you find yourself in a more
Oct 11, 2013
Photo of Tao A.
5
By:
The Hilton Credit Card is a good choice if you are a business or leisure traveler and spend a lot of time staying in hotels. You can accumulate points quickly on hotel stays and you still get a decent amount of points for restaurants, gas, and grocery purchases. The 40,000 bonus points is a nice extra to start out with and the APR is pretty comparable to most other cards out there. Usually hotel rewards come with a bunch of restrictions on when and where you can redeem them, but there are no blackout dates on the redemption of your HHilton points associated with this card. It also provides you more
Oct 7, 2013
Photo of Lily Y.
5
By:
This is one of my favorite cards. It was really hard to apply to ( I got rejected once). The reason I got this card was that "airline cards" had a way too expensive fee attach to them. Also this card's foreign exchange fee is lower than most banks, since most banks start at 3%. The only reason I got this card was my family and I had a big travel year. We wanted to get the most value out of it. The only thing I did not like is that it is on "American Express" and I could not use it at some restaurants. So I always have 2 more
Sep 24, 2013
Photo of Ben M.
3
By:
I can only recommend the HIltons Credit Card if you are really big on travel. The point system is kind of confusing to me because you can't use it for straight up cash back. You get these HHonors points which are good for pretty much everything except cash back. You can use them towards rooms at a Hilton hotel, or exchange them for other points programs such as frequent flyer miles for example. So the biggest bang for your buck depends on how you'll use the points, since hotel room prices can vary during the year you might be better off using a regular credit card and using your points more
Sep 16, 2013
Photo of Alex S.
4
By:
The Hilton Credit Card by American Express is a pretty good card, especially for travelers. My family and I travel a lot, so this is a great card for us. I was able to get a lot of points with it. I have a few AMEX credit cards, and time and time again I see why I get their cards. The rewards are great, customer service is excellent, and fees are relatively low compared to other cards. The one and only problem I tend to have with them is that they aren't accepted everywhere. Ever since getting this card we've been staying at the Hilton, which is a much nicer more
Sep 11, 2013
Photo of Michael S.
5
By:
The Hilton Credit Card looks like a good idea for anybody who is constantly visiting places, whether it is locally, to another town for family and vacation or also for business whether it is domestically or internationally. You receive a base amount of 3 points anywhere but whenever you buy food and gas at both grocery stores, gas stations and restaurants you get points at 5 points for every dollar spent. Whenever you make a purchase through the Hilton company you make on average 7 points per every dollar that you spend. It seems that if you use this card any time that you travel you will easily be able more
Sep 9, 2013
Photo of Janice K.
5
By:
The Hilton Credit Card is a fantastic card for frequent travelers. I have family members that live in various parts of the US, and several that live outside of it. This card has helped me earn Hilton points pretty quickly and moved me up from Hilton Silver status to Gold status. I have already generated enough points to receive several free nights at Hilton Hotels. I have had this card for over 5 years and I have been extremely happy using it. I have several other credit cards, but this is the one I almost always use. I definitely recommend this credit card for anyone that travels frequently.
Sep 4, 2013
Photo of Pavel Z.
4
By:
Hilton Credit Card looks like a good choice for traveler, especially if you stay in Hilton often. From the other side, it would be nice to know explicitly how much 1 point worse. The introductory deal is good. It comes with rather big purchase of $750, but in Hilton you probably spend it in one trip. The fees and APR look rather standard (the same or almost the same as British Airways Visa Signature Card, or Amazon.com Visa, or TrueEarnings Card). You have extra bonus for restaurants, gas stations and supermarkets, which is nice. No bonus points for airline tickets, so if you travel a lot and stay short times, more
Sep 2, 2013
Photo of Tiffany M.
4
By:
The bonus points for the Hilton Credit Card are an awesome benefit to this card, especially if you are a traveler. It's also great that there is no annual fee. There are so many cards out there like the Southwest cards that have an annual fee and that kind of takes away from the great experience of having the card. There aren't any crazy fees that you have to watch out for and the APR rates are pretty close to the other credit cards you could get today. Even the late fee is about standard which is great. It's an American Express which is great because they are always so more
Aug 23, 2013
Photo of Chris M.
4
By:
The Hilton Credit Card is a great card to apply for, if you travel a bit or find yourself staying in hotels this is a great card to have. The card is an american express card, so as always you know the customer service is going to be absolutely top notch, no problems there whatsoever. The APR is comparable to other cards of this nature and there aren't any ridiculous fee's attached either. No annual fee makes this card a no brainer. This is a rewards card and you will earn points pretty quickly, you may even end up getting yourself a free stay in the hotel!
May 6, 2013
Photo of Emily S.
5
By:
I applied for this card about a year ago after realizing that I was paying the same APR for my American Express card without receiving much in the way of "points." As with other American Express cards, the customer service is exemplary, both online and over the phone. With the initial bonus points offer, points add up pretty quickly and I already have enough for a free one-night hotel stay (and I don´t spend that much on my credit card). I pay 15.24% interest, which is not necessarily low, but if you pay off your balance every month, this would be an excellent card.
Aug 14, 2012
Photo of Frank A.
5
By:
My wife and I have had this card for a while now, and we have been nothing but happy with the decision to apply for it. The bonus points you earn build up rather quickly, you can get a few forever dollar spent, and they can then be used towards the Hilton rewards system. We have even been able to convert our points into frequent flyer miles, which helps us considerably when traveling. It was easy for us to track the amount of points we had through the Hilton website. Customer service has been relatively good as well, though we only had to call a couple of times, the representatives more
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Last updated on: Sep 2nd, 2014 at 3:58 EDT