Hilton Honors American Express Card vs Personal Credit Card Earning Valuable TY Points

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Grants Hotel Status

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Travel and Emergency Assistance Services

No Foreign Transaction Fees

No Fees for Authorized Users

Amex Offers

Hilton Honors American Express Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

20.49%-29.49% (Variable)

Balance transfers fees

Best Multiplier

7x Hotels

5x Gas Stations

5x Dining Out / Food Delivery

5x Groceries

3x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.005

Bonus Offer

Earn 100,000 Bonus Points after spending $2,000 on eligible purchases within the first six months of Card Membership (Terms apply).

Rating

(4.2) Our Review

Review

The Hilton Honors American Express Card is the entry level Hilton card in a family of three Hilton credit cards for individuals including this one, the Hilton Honors Surpass® Credit Card ($150 annual fee), and the Hilton Aspire® credit card ($550 annual fee).

(All information about the Hilton Honors Aspire® Credit Card ahas been collected independently by Your Best Credit Cards.)

If you stay with Hilton frequently and simply aren’t willing to pay an annual fee, this isn’t a bad card. With 7X earned at Hilton portfolio properties (we value that at 3.5% worth of points back since we value Hilton points at 0.5 cents each), you’ll certainly do well when you pay with this card at Hilton family hotels and resorts.

5X Hilton Honors points at US restaurants, US gas stations, and US supermarkets on a no-annual fee card isn’t bad either, with a 2.5% effective return on spend assuming a value of 0.5 cents per Hilton point).

However, if you do step up to the annual fee cards, you do get more. The Surpass comes with automatic Hilton Gold status instead of Hilton Honors Silver status, which adds a breakfast or meal voucher credit to your benefits along with room upgrades and gives you the opportunity to earn a Free Night Reward valid on any Standard Night Reward after $15,000 in spend on eligible purchases on your Card in a calendar year.

And the Aspire, despite its heft annual fee, provides come crazy benefits like Diamond elite status.

However, you are probably reading about this card because you want a no annual fee Hilton credit card and this one is pretty strong for a new annual fee hotel card. Not to mention the shopping protections like Extended Warranty and Purchase Protection as well as no foreign transaction fees.

Rates and Fees for the Hilton Honors Credit Card from American Express

Unique Card Benefits

yes

Grants Hotel Status

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Travel and Emergency Assistance Services

yes

No Foreign Transaction Fees

yes

No Fees for Authorized Users

yes

Amex Offers

yes

Personal Credit Card Earning Valuable TY Points

Annual Fee

$95

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Earn 70,000 bonus points after spending $4,000 in the first 3 months

Rating

(0) Our Review

Review

Earn 60,000 bonus points after spending $4,000 in the first 3 months

Unique Card Benefits

Grants Hotel Status

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Travel and Emergency Assistance Services

No Foreign Transaction Fees

No Fees for Authorized Users

Amex Offers