Home Credit Cards Credit Card Review: Hilton Honors American Express Card

Credit Card Review: Hilton Honors American Express Card

by joeheg

American Express is the only bank offering co-branded cards with Hilton Honors. They have a diverse card line with options ranging from one with no-annual-fee to the Hilton Aspire card with a $450 annual fee that automatically gives you Hilton Diamond Status.

If that’s $450 more than you want to pay for an annual fee, then possibly the no-annual-fee Hilton Honors AMEX is more your speed.

If you decide that you want to sign up for any of the Hilton credit cards (or any AMEX card for that matter), we’d appreciate it if you use our link. We receive a bonus for each referral, which helps us keep Your Mileage May Vary HQ going strong.

Annual Fee

No Annual Fee

Sign Up Bonus

The current sign-up bonus for the Hilton Honors AMEX card is 100,000 Hilton Honors points when you spend $1,000 in the first 3 months of having the card. You’ll also get a $100 statement credit after your first purchase within the first three months. Not bad for a free card.

Spending Categories

When spending on the card, you earn points in the Hilton Honors program as follows:

  • 7 points per $1 spent at participating hotels or resorts within the Hilton Portfolio
  • 5 points per $1 spent on:
    • U.S. restaurants (including take out and delivery)
    • U.S. gas stations
    • U.S. supermarkets
  • 3 points per $1 spent on all other purchases

If you’re interested in earning Hilton points without paying an annual fee, this is the card for you. I value Hilton points at a minimum of 0.5 cents each. For all spending, you’re earning 1.5 cents per dollar. Now you could be earning up to  2 cents per dollar with a cashback cardso you really have to decide if you want to earn Hilton points or cash. This depends on what value you get when redeeming Hilton points.

Card Benefits

The Hilton Honors AMEX also has other benefits.

Ways to use Hilton Honors points

The points you earn with the signup bonus and spending on the card are deposited into your Hilton Honors account. From there you can use the points to book hotel rooms. Knowing the Honors points’ actual value is difficult because Hilton no longer publishes an award chart for their hotels.

The number of points needed for a room can vary based on the cash price needed to book the room on any given day.

For example, I needed a room for the night in Tampa after seeing a concert. Cash prices for hotels cost over $250 a night, but I was able to find a Hampton Inn for 40,000 Hilton points. In that example, I was able to get 0.625 cents per point value for an Honors point.

Of course, there’s the time when we looked to use Hilton points in Key West and the price for a room at the Hampton Inn was over 300,000 points a night.

There are other uses for Honors points, such as the ability to book “experiences” like concerts or tours. These may be a good value and may not be available to book on your own, so make sure to check out what you’re getting to see if it’s a good value. Another option that’s not a good value is using your points to pay for things on Amazon.com.

Final Thoughts

If you think the Hilton Honors AMEX card is right for you, here’s our referral link. Click on the “View All Cards With A Referral Offer” to see the Hilton Honors AMEX.

I’d normally look at the mid-level or premium cards from hotels but the entry-level card from Hilton is pretty good, considering it’s free.

Is the card is right for you? Your Mileage May Vary.

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This post first appeared on Your Mileage May Vary

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