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Editor’s note: This post has been updated with the latest credit card information.
Hilton Honors American Express Card overview
The Hilton Honors American Express Card is the brand’s no-annual-fee (see rates and fees), entry-level product. Featuring 7 points per dollar on eligible Hilton purchases and complimentary Hilton Honors Silver status, the card is a solid option for new cardholders loyal to the hotel chain or those looking to avoid annual fees, although there are other travel cards that offer more points flexibility and bigger perks. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The Hilton Honors program covers 7,000 hotels in more than 120 countries, providing plenty of chances to earn and redeem points.
If you’re a beginner looking for a credit card that comes with some Hilton perks, you may want to take a look at the Hilton Honors American Express Card. It has no annual fee and comes with a nice welcome offer, generous category bonuses and travel and purchase protections, making it a great option for travelers looking to get started with Hilton Honors.
Here’s everything you need to decide if the card is right for your wallet.
Related: Choosing the best Hilton credit card for you
The Embassy Suites, Napa Valley. HILTON
Hilton Honors American Express Card welcome offer
New applicants for the Amex Hilton Honors card can earn 100,000 bonus points after spending $2,000 on purchases in the first six months of cardmembership. This offer ends on April 5, 2023.
This bonus is worth $600, based on TPG’s valuations. The best offer we’ve seen on this card included 130,000 points but required $5,000 in spending; at present, you can get a majority of those points for a fraction of the spending.
The Conrad Bora Bora. SUMMER HULL/THE POINTS GUY
Earning points on the Hilton Honors American Express Card
With the Hilton Honors Amex, you’ll earn 7 Hilton Honors points per dollar on stays at Hilton hotels and resorts (including paying for your room and on-site spending at restaurants and spas), 5 points per dollar at U.S. restaurants (including takeout and delivery), 5 points per dollar at U.S. gas stations and U.S. supermarkets and 3 points per dollar on other purchases.
TPG values Hilton points at 0.6 cents apiece. That means you’ll earn a 1.8% return on daily purchases and 4.2% return at Hilton hotels — though you’ll get an extra 12 points per dollar from your Hilton Honors Silver elite status, bumping your return to 11.4%.
Related: Points of View: Which credit card should you use for Hilton stays?
If you’re looking for higher earning opportunities covering a wider swath of travel purchases, including flights and rental cars, you won’t get that with this card.
The Hilton Moorea in French Polynesia. KYLE OLSEN/THE POINTS GUY
Redeeming points on the Hilton Honors American Express Card
You’ll get the best value for your Hilton points when using them for hotel and resort stays, even with the chain’s lack of published award charts. How many points you need for a hotel room fluctuates, so you won’t know the final price until you go to make a reservation. That said, the Points Explorer tool can show you what other guests have paid recently.
You can also transfer your Hilton Honors points to 40 global airline loyalty programs, along with Amtrak. However, unless you need to transfer Honors points to top off an airline account for a specific award, using them for this purpose isn’t really a good idea. The transfer ratio is normally terrible, losing thousands of points in the process.
Our advice? Stick to hotel room redemptions to get the best value for your rewards.
Related: 10 Hilton properties I can’t wait to redeem Hilton Honors points for
You’ll do even better when you redeem points for a stay of five nights or longer. That’s because you get a fifth night free on stays using points.
An example of a points redemption. HILTON.COM
This hotel near Niagara Falls charges 29,000 points, but you’ll see in the image that the fifth night is free — resulting in a final price of 116,000 points for five nights.
To learn more about redeeming Hilton points (and doing so at a great value), see the following:
How to redeem Hilton points7 ways to redeem points with the Hilton Honors program8 ways to maximize Hilton Honors redemptionsHow to redeem Hilton points for upgraded roomsHilton Honors American Express Card benefits
The Hilton Honors Amex actually features a few notable perks and benefits beyond the welcome bonus. Here’s an overview of what this card has to offer.
The Conrad Tulum. HILTON
Elite status
The card comes with automatic Hilton Honors Silver elite status, which provides member discounts, a 20% points bonus on paid stays, no resort fees on award stays, a fifth night free on award stays and free bottled water. If you spend $20,000 on the card in a calendar year, you can even upgrade to Hilton Honors Gold status, which TPG values at $1,220.
However, it’s worth pointing out that other Hilton credit cards offer Gold status automatically, meaning spending $20,000 to get there isn’t a good value.
Entertainment
Get exclusive access to ticket presales and cardmember-only events, along with Broadway shows, concert tours, sporting events and more through the American Express Experiences program.
Free shipping
ShopRunner gives you free two-day shipping on eligible items at a network of more than 100 online stores after signing up at shoprunner.com/americanexpress. Enrollment is required in advance.
Extended warranty
The card comes with an extended warranty that adds up to one year to an original manufacturer’s warranty of five years or less.
Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
Purchase protection
Purchase protection covers items accidentally damaged, stolen or lost if you paid for them with your card. This benefit covers purchases for up to 90 days and covers up to $1,000 per item — up to $50,000 per calendar year.
Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
Car rental loss and damage insurance
When you use the card to reserve and pay for a car rental and decline the rental company’s insurance, you’re covered against damage and theft — up to $50,000. This benefit is secondary coverage to your own auto insurance and doesn’t include liability.
Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
Dedicated help
The Global Assist Hotline helps with medical, legal, financial or other emergency services when traveling more than 100 miles from home.
Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.Cardmembers are responsible for the costs charged by third-party service providers.
Which cards compete with the Hilton Honors American Express Card?
The Amex Hilton Honors card has natural competitors with “Hilton” in their names, but a general travel credit card also may do better in your wallet. Here are options you should consider.
THE POINTS GUYIf you like Hilton but want more perks: The Hilton Honors American Express Surpass® Card earns an improved 12 points per dollar at Hilton hotels, provides automatic Gold status and you can earn a free night reward by spending $15,000 on purchases in a calendar year. You’ll also get 10 Priority Pass airport lounge visits per year, and the card has just a $95 annual fee (see rates and fees). For more information, read our full review of the Amex Hilton Surpass card.If you want flexible rewards with no annual fee: The Amex EveryDay Credit Card earns 2 American Express Membership Rewards points per dollar at U.S. supermarkets (up to $6,000 of purchases per year, then 1 point per dollar) and 1 point per dollar on other purchases. You can use these points with Hilton but also use them with more than a dozen airline and hotel companies. You won’t get any benefits with Hilton but will have options with your points while still not paying an annual fee (see rates and fees). For more information, read our full review of the Amex EveryDay card.If you want a hotel card without an annual fee, regardless of brand: The Marriott Bonvoy Bold Credit Card is an option if you want a hotel credit card without an annual fee and aren’t tied to Hilton. You’ll earn 3 points per dollar at Marriott Bonvoy properties, receive complimentary Silver Elite status (and 15 elite night credits to help you reach higher status levels with Marriott) plus other travel and shopping protections. For more information, read our full review of the Marriott Bonvoy Bold card.
The information for the Amex EveryDay card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
For additional options, see our list of the best hotel credit cards and best American Express cards.
Related: The best no-annual-fee credit cards
The Hilton DoubleTree Wellington in New Zealand. ERIC ROSEN/THE POINTS GUY
Is the Hilton Honors American Express Card worth it?
You might assume the Amex Hilton card is worth it by default since it has no annual fee. It depends on what you’re looking for, though. If entry-level elite status, a good welcome bonus and fair earning categories are sufficient, you’ll like this card. If you’re looking for flexible rewards or more Hilton perks, this card lacks those.
Bottom line
The Hilton Honors American Express Card is a good starter card for those looking to maximize the benefits of Hilton’s loyalty program without paying an annual fee — especially with the increased welcome bonus. It may not be the right card for everyone, though it may be the right card for you if that’s what you’re seeking.
Apply here: Hilton Honors Amex with a 100,000-point bonus after you spend $2,000 in purchases on the card in the first six months of cardmembership. Offer ends April 5.
Additional reporting by Ryan Wilcox, Stella Shon and Madison Blancaflor.
For rates and fees of the Hilton Honors Amex Card, click here. For rates and fees of the Hilton Honors Amex Surpass Card, click here.
Title: Hilton Honors Amex Card review: 100,000 bonus points with no annual fee
Sourced From: thepointsguy.com/guide/hilton-honors-american-express-review/
Published Date: Wed, 15 Feb 2023 19:30:33 +0000
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