The American Express Hilton Honors Card allows cardmembers to earn base points and bonus points within the Hilton Rewards program be making eligible purchases rather than staying for a certain number of nights each year. It also provides complimentary Silver program status.
In addition to these specific perks, you will find that the American Express Hilton Honors Card has reasonable fees, including no annual or foreign transaction fee, and average APR for a credit card that expects you to have great to excellent credit upon application and approval.
Who is the American Express Hilton Honors amex.us/hhrsvp offer For?
Do you expect to stay in a lot of Hilton establishments or want an easy way to get up to Gold Hilton Rewards status? That is exactly what this card is for. The American Express Hilton Honors Card allows you to rack up a lot of points very quickly as you use your card. These points may then easily be redeemed for rewards through the Hilton rewards program.
With a redemption rate of around .5 cents, each purchase will earn you about 1.5 cents in redemptions per dollar spent. If you make a purchase in a bonus category, it's possible to earn as many as 7 points or about 3.5 cents per dollar. This is much more spending power than rewards from a cash back or other points card may offer.
The APR for the American Express Hilton Honors Card is a variable rate. At the time of this writing, the APR range for purchases and balance transfers is 15.74% to 24.74%. The APR for cash advances is 25.24%. There is also a penalty rate of 29.24% that may apply if you make one or more late or returned payments. Penalty APR applies for a minimum of 6 months.
- Annual Fee – The American Express Hilton Honors Card has no annual fee.
- Cash Advance Fee – The fee for a cash advance taken out with the American Express Hilton Honors Card is 5% of the total cash advance with a minimum of $10.
- Foreign Transaction Fee – There is no foreign transaction fee for purchases made with the American Express Hilton Honors Card.
- Late Payment Fee – The late payment fee for the American Express Hilton Honors Card is up to $40.
- Return Payment Fee - The return payment fee for the American Express Hilton Honors Card is up to $40.
- Authorized User Fees – There are no authorized user fees for the American Express Hilton Honors Card. Authorized users, however, do not have all of the same privileges and perks as the main account-holder.
- Balance Transfer Fee – The balance transfer fee for the American Express Hilton Honors Card is 3% of the total balance to be transferred with a minimum of $5.
- Overlimit Fee – There is no overlimit fee with the American Express Hilton Honors Card.
The American Express Hilton Honors Card allows you to earn Hilton Honors bonus points and redeem them for rewards offered through the Hilton Honors program. These rewards include stays at Hilton hotels and resorts, exclusive experiences, and incidentals. Hilton Honors points are each worth about .5 cents, though they can be worth more with select redemption offers.
You can earn 3 Hilton Honors bonus points for each dollar spent on an eligible purchase. You can earn 4 Hilton Honors bonus points, in addition to these original 3, for every purchase made at the time of booking through Hilton. This applies to all incidental charges as long as they are paid for with the Hilton Honors card and made during or prior to a stay reserved in this way. Incidentals include spas, restaurants, and other establishments at the hotel.
You could also earn up to 5 total bonus points for each dollar spent at a US-based supermarket, restaurant, or gas station. Warehouse stores and department stores are excluded. This offer only applies to establishments within the borders of the US.
Hilton Honors Status
With the American Express Hilton Honors Card, you get complimentary Silver status. Silver status with the American Express Hilton Honors Card will allow you to earn extra nights and bank them for later. You will also receive up to 2 complimentary bottles of water at select hotels for each stay. Silver Status members also earn 20% more base points. These perks are in addition to a digital key, digital check-in, no resort fees on reward stays, and an exclusive discount rate when booking through Hilton.com or the Hilton app.
If you spend $20,000 or more per year on eligible purchases, you will be upgraded to Gold status within the Hilton Rewards program. This can take up to 12 weeks to take effect once you've reached the spending threshold. This benefit only applies to the primary account holder. This Gold status will apply for the rest of the calendar year in which it is earned and for the subsequent calendar year.
Pros – Advantages of the American Express Hilton Honors amex.us/hhrsvp offer
- Points That Add Up Quickly – With 3 to 7 points earned on every purchase for Silver status, and many more possible once you reach the threshold for Gold status, you could earn a free stay at a Hilton hotel or resort very quickly.
- Extended Warranty, Purchase Protection, Supplemental Car Rental Insurance – These three benefits are included with the American Express Hilton Honors Card, though they are not unique to this AMEX product.
- Reasonable Fees and Interest – Fees and interest for the American Express Hilton Honors Card are average for a card that requires your credit score and determined creditworthiness to be great to excellent.
Cons – Disadvantages of the American Express Hilton Honors amex.us/hhrsvp offer
- Redemption for Hilton Rewards Only – Given the name of the card, this may be expected, but it might be nice to have one other option.
- High Credit Score Required – To have great approval odds, you'll need an equally great credit score. This typically means a score of about 700 or more.
If you haven't had the American Express Hilton Honors Card before, and you haven't opened or closed any American Express cards in the past 12 months, you are likely to be eligible for the American Express Hilton Honors Card welcome offer. This offer allows you to earn 100,000 Hilton Honors bonus points if you spend a minimum of $1,000 with your American Express Hilton Honors Card on eligible purchases during the first three months your new card is open.
To earn or keep this bonus, you will also have to keep the American Express Hilton Honors Card open for at least a year. With no annual fee, this shouldn't be a problem. Once you've spent the required amount and the transactions have all been processed, you can expect your bonus to be applied to your American Express Hilton Honors Card account within 12 weeks.
The American Express Hilton Honors Card is a credit card that makes it easy to get not only base and bonus Hilton Reward points but also Gold status within the Hilton Rewards program. All points earned with this card are only able to be redeemed through this program and the redemption rate per point is about .05 cents. With most points being worth 1 cent or more in other rewards programs, this may seem low. However, with 5 to 7 points earned in many categories, the number of points makes up for the low per-point value. In addition to the rewards program, this card requires a relatively high credit score and blemish-free credit report for approval, as is expected with an AMEX credit card product. Credit limits, fees, and APR aren't particularly high or low. All-in-all, this is a card that will get you a lot if you stay at many Hilton establishments per year or have several extended stays per year.