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Hilton Honors American Express Card: Big on Points, Small on Fees

If you want to earn free hotel stays with Hilton but don't like the idea of an annual fee, the Hilton Honors American Express Card is a good option for you.

Pros:

  • Big intro bonus
  • High rewards rates
  • No annual fee

Cons:

  • High annual percentage rate (APR)
  • Not a lot of frills
  • Limited redemption flexibility

Experian Review

The Hilton Honors American Express Card is a $0 annual fee hotel credit card that offers significant rewards. New cardholders will get a big intro bonus and high bonus rewards rates, plus a few travel-related perks, including Hilton status.

The Rewards Program Is Solid

Credit cards that don't charge an annual fee typically skimp on the intro bonus. But with this card, you'll earn 75,000 bonus points after you spend just $1,000 in eligible purchases within the first three months of opening your account. Depending on how you redeem those points, the bonus could be worth hundreds of dollars. The card also offers 7 points per $1 spent on eligible purchases at Hilton properties; 5 points per $1 at U.S. restaurants, U.S. supermarkets and U.S. gas stations; and 3 points per $1 on everything else.

A Few Travel Benefits

The Hilton Honors American Express Card doesn't offer as many valuable perks as other Hilton co-branded credit cards, but those cards also charge annual fees. With this one, you won't get a free award night every year, but you will get complimentary silver Hilton status, which includes late checkout, a fifth standard reward night free and elite tier rollover nights. You'll also get complimentary gold status after you spend $20,000 on the card in a calendar year. Other perks include travel accident insurance and no foreign transaction fees.

Consider an Upgrade

It's nice not have to pay an annual fee, but you may be missing out with the Hilton Honors American Express Card. With the Hilton Honors American Express Surpass® Card, for instance, you can easily make up for the card's annual fee if you qualify for a free weekend night reward and get more value out of that benefit. As you compare cards, make sure you consider the total net value you get from the card, not just what it'll cost you.

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