Worth It to Get the Hilton Honors AmEx Card?

Jan 20, 2024 By Triston Martin

The Hilton Honors American Express Card is an excellent choice if you're looking for a credit card that offers bonus points for stays at Hilton hotels. However, there is no yearly subscription cost—restricted Use. You should get the Hilton Honors American Express Card for these five reasons.

Such a great deal includes award nights.

Earn 80,000 Hilton Honors Bonus Points if you spend $1,000 on Card purchases in the first three months of Card Membership. Note the T&Cs.

This welcome package is worth several hundred dollars at the very least, based on NerdWallet's assessment of Hilton Honors points at around 0.6 pence apiece. Considering there is no annual charge for this credit card, that's a respectable rate of return.

An exhaustive manual

You get a better-than-average return on commonplace purchases.

The Hilton Honors American Express Card earns 7x Hilton Honors points at Hilton hotels, 5x in U.S. supermarkets, U.S. restaurants, and U.S. gas stations, and 3x on all other purchases. Restricted Use.

Using our internal valuation, we find that a 5x return in Hilton points is equivalent to 2.5 percent cash back. It holds its own rather well if you compare it to comparable credit cards that don't charge an annual fee.

No extra charges will be incurred for using a foreign credit card.

You won't have to worry about hidden costs when using your Hilton Honors American Express Card abroad. Assuming you regularly visit Hilton properties, you may one day find yourself in a Hilton hotel in a different country. And when in a foreign country, you certainly don't want to be on the line for cutting foreign transaction costs. If you make this card your primary one, you can avoid these fees altogether—restricted Use.

In-house privileges are available in Hilton properties.

Hilton Silver level, the next step up from the Member status given to all members of the Hilton Honors program, is automatically awarded to cardholders. Restricted Use.

There are some great amenities, such as free water bottles, but you won't get the luxurious perks like membership to the Hilton Executive Club lounge or upgraded rooms that higher status tiers do.

You can spend your way to a better status.

When you spend $20,000 on your Hilton Honors American Express Card in a calendar year, you'll be upgraded to Hilton Gold status for the following year.

Rewards for reaching specific goals.

The Hilton Honors American Express Surpass® Card (with a $95 annual charge) provides instant Gold status after spending $20,000 on the card during a calendar year. Restricted Use. Justifications for not applying for the Hilton Honors American Express Card. The yearly charge of $0 makes it difficult to conclude that the card is "not worth it."

Even though

But you want to be juggling only a few credit cards. Since Hilton offers multiple co-branded credit cards issued by American Express, others might be more valuable, even though they entail annual fees.

You may find that the premium perks of the Hilton Honors American Express Aspire Card and Hilton Honors American Express Surpass® Card are worth the higher yearly fees.

Is the version without the annual fee what you need?

There are advantages and disadvantages to using the Hilton Honors American Express Card. There is a reasonable rate of rewards and a generous welcome bonus. The Hilton Honors American Express Card is a good option for those curious about hotel credit cards but hesitant to make an initial investment due to the lack of a free trial period.

How to get the most out of your rewards

Hilton Honors American Express Card rates and fees can be viewed here. This page displays the costs associated with the Hilton Honors American Express Surpass® Card. NerdWallet's research into the Hilton Honors American Express Aspire Card is objective and thorough. Since the Hilton Honors American Express Aspire Card is no longer being issued by

You need a credit card for your travels that considers the things you value most. Our list of recommended credit cards for trips in 2022 includes options that are ideal for:

Traveling on business? Sign up for a Business Preferred® Credit Card.

Author information: YouTuber Dustin Waller loves a good conversation about credit cards with anyone who will listen. When he's not working, he and his family enjoy exploring new places. Dustin doesn't splurge when he travels and prefers local cuisine. Keep reading!

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