Best Hotel Credit Card Without an Annual Membership Fee
Variable APR17.24% to 26.24%
Cash Advance APR26.74%
Rewards Rate7 points per dollar for Hilton hotel stays, 5 points for dollar for U.S. restaurant, supermarket and gas station purchases, and 3 points per dollar for general purchases
Bonus Offers50,000 points if you spend $1,000 in the first 3 months
- Rated #4 in 5 Best Hotel Credit Cards
- Earn 50,000 Hilton Honors points after spending $1,000 in the first 3 months.
- Earn 7 points per dollar spent at hotels and resorts within the Hilton portfolio
- Earn 5 points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3 points per dollar spent elsewhere.
- Redeem Hilton HHonors points towards free hotel nights without blackout days.
- Get complimentary Silver status.
- Account upgraded to Honors gold status after spending more than $20,000 on the card during the year.
- 50,000-point signup bonus
- No annual fee
- Instant Silver status with Hilton and an opportunity for Gold status
- Hilton points are worth roughly 0.5 cents apiece on average, giving you less value than many other travel credit cards
- The card's APR is higher than average
Application Process: It takes just a few minutes to complete the online application for the Hilton Honors Card.
Rewards: Earn 7 points for every dollar you spend at qualifying Hilton hotels, 5 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 points per dollar for all other eligible purchases.
Bonus Offers: Earn 50,000 bonus points after you spend $1,000 in three months.
APR: 17.24% to 26.24% variable APR.
Annual Fee: None.
The Hilton Honors credit card from American Express is a points-earning credit card perfect for regular Hilton customers. This credit card offers miles and points earning opportunities, instant silver level status, and no foreign transaction fees. As a premium American Express card, it is loaded with additional valuable benefits for travel and purchases. Follow along with this Hilton credit card review to learn more about whether this or other hotel credit cards makes sense for you.
Hilton Honors credit card review
The Hilton Honors American Express Card is a premium travel rewards card. New cardholders can earn a 50,000-point signup bonus after spending $1,000 on purchases in the first three months you have the card. That alone is worth about $250 toward Hilton hotel stays.
For purchases, this card gives you 7x points per dollar spent at Hilton and Hilton owned properties, 5x at all US restaurants, supermarkets, and gas stations, and 3x everywhere else. Combined, that leads to fast growth of your points balances so you can earn free nights quickly.
The card comes with no foreign transaction fee and gives you automatic Hilton Honors Silver status. Spend $20,000 in a calendar year to earn Gold status through the end of the next calendar year. That can lead to some nice upgrades for regular Hilton guests!
Hilton Honors credit card rewards and perks
The Hilton credit card primarily offers rewards as Hilton Honors points. Earn up to 7x points per dollar depending on where you spend. You’ll get 7x at Hilton and Hilton portfolio properties, 5x at restaurants, gas stations, and grocery stores in the US, and 3x everywhere else.
To get you started on the right foot, earn 50,000 bonus points after spending $1,000 on purchases in the first three months you have the card.
Cardholders also get instant complementary upgraded Silver status with this card. If you spend $20,000 on the card in a calendar year, you will get Gold status for the remainder of the year and the following calendar year.
The only major downside is that Hilton points, like most hotel rewards points, are not worth that much. A Hilton point is worth about half a cent while airline and general miles and points cards often give you at least one cent in value per point.
That means earning 5x points at gas stations, restaurants, and grocery stores gives you about 2.5 cents worth of value per dollar you spend. That is well ahead of the 1% cash back many cards offer, but you can do better with some high-end travel rewards cards like the Amex Platinum and Chase Sapphire Reserve.
Hilton Honors credit card credit card benefits
Beyond the card rewards program and status upgrade, this card comes packed with useful benefits for travel and standard purchases.
For travel, start with no foreign transaction fee, often up to 3% with other cards. You also get included car rental loss and damage insurance, travel accident insurance, and access to a 24/7 global travel assistance hotline.
At the checkout counter, benefits like an automatic extended warranty, purchase protection, and return protection come into play. For online shopping, get a free ShopRunner membership for free 2-day shipping at a wide range of online stores.
Hilton Honors credit card costs and fees
This card offers a lot of value to Hilton loyalists, and you get all of these benefits with no annual fee. That is rare for a card with such strong travel and purchase protection benefits.
Interest rates currently range from 17.49% to 26.49% APR based on your credit history. Rates can change at any time with market interest rates. This rate applies to purchases and balance transfers. Cash advances charge a higher 26.99% variable rate APR.
If you miss a payment or a payment is returned, the higher 29.99% penalty APR kicks in.
While there is no foreign transaction fee, cash advances cost 3% ($5 minimum) per occurrence. Late and returned payments cost up to $38 per occurrence. Just avoid those scenarios and you can avoid the fees.
Does the Hilton Honors credit card make sense for me?
This Hilton Honors Amex is a great credit card among travel rewards cards with no annual fee. While there are some better travel rewards credit cards out there, many of them charge an annual fee around $100 per year. With no fee, this card comes out near the top.
If you regularly stay at Hilton hotels, you will enjoy the bonus points, free nights, and upgraded status that this card offers. If you love Hilton, you’ll love having this card in your wallet.