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Hilton Honors American Express Card card art
American Express · hilton

Hilton Honors American Express Card

4.0 / 5
Hilton Honors points · Personal card

Big numbers, cheap points. 7x on Hilton stays is an effective 2.5% back, fine for a no-fee card but a step behind the Surpass for anyone spending $15 a night more.

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At a glance

Issuer terms
Welcome bonus
100,000 points
Spend $2,000 in 6 months
Annual fee
$0
Purchase APR
See terms
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

Big numbers, cheap points. 7x on Hilton stays is an effective 2.5% back, fine for a no-fee card but a step behind the Surpass for anyone spending $15 a night more.

Verdict

Pros & cons

Pros

  • No annual fee
  • 5x on US restaurants, supermarkets, and gas
  • Six-figure welcome bonuses are routine

Cons

  • Hilton points are worth about 0.35 cents
  • No free night certificate
  • Minimal protections
Earnings

Earn rates

CategoryRateNotes
Hilton stays7x pointsHilton portfolio hotels and resorts.
Restaurants5x pointsUS restaurants.
US supermarkets5x points
Gas stations5x pointsUS gas stations.
All other purchases3x points
Benefits

Key benefits

Silver status free

Automatic Hilton Honors Silver, with Gold after $20,000 in calendar-year spend.

Fit

Who this is best for

  • Occasional Hilton guests who want no fee
  • Welcome bonus collectors
FAQ

Frequently asked questions

What is the Hilton Honors Card welcome bonus?
Earn 100,000 Hilton Honors bonus points plus a $100 statement credit after spending $2,000 in purchases in the first 6 months. Offer ends July 29, 2026.
Does the Hilton Honors Card charge an annual fee?
No. The Hilton Honors Card has a $0 annual fee.
Does the Hilton Honors Card have a foreign transaction fee?
No. The Hilton Honors Card charges no foreign transaction fee, so it works well for international purchases.
What APR does the Hilton Honors Card charge?
The purchase APR is See terms variable.
Who is the Hilton Honors Card best for?
Occasional Hilton guests who want no fee. Welcome bonus collectors.
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Hilton Honors American Express Card

Spend $2,000 in 6 months
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Rates accurate as of June 10, 2026. Issuer terms.