Citi® Hilton HHonorsTM Reserve Card

Card Details


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3.8/5.0 from 15 Cardholder Reviews Over the Past 60 Days!

(15) Over the Past 60 Days!

  • Regular Purchase APR

    15.24% (Variable)

  • Intro Purchase APR


  • Intro BT APR


  • Annual Fees


  • Credit Needed



  • Click "APPLY NOW" to apply online
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening* 
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*   
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*  
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*  
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember* 
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card

Card Fees

Late Payment Fees Up to $35

Foreign Transaction Fee None

Balance Transfer Fee Either $5 or 3%, whichever is greater

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee Up to $35

Penalty APR Up to 29.99%, based on your credit­worthiness

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap No Cap

Rewards Rate 10 Points per dollar on hotel stays with Hilton, 5 Points per dollar on airlines and car rentals, and 3 Points per dollar on other purchases

Annual Fee $95

Grace Period 23 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

  • 3.2/5


  • 660+

    Credit Score Needed

Expert Reviews

From the Editorial Team

The Citi® Hilton HHonors™ Reserve Card is great for those that stay at Hilton hotels multiple times a year and who travel abroad often. Issued by Visa and equipped with a pin-and-chip, this card will be accepted all over the world. Citibank does advertise its products on CompareCards. The first great perk of this card is that you can earn 2 weekend night certificates, each good for 1 weekend night within the Hilton HHonors portfolio, but only after you spend $2,500 on qualified purchases in the first 4 months of card membership.

This card is a step up from the Citi Hilton HHonors™ Visa Signature® Card, allowing you to earn even more in rewards and users receive an automatic upgrade to HHonors Gold status. Card members can earn 10 HHonors bonus points per $1 spent on hotel stays within the Hilton HHonors portfolio, earn 5 HHonors bonus points for every $1 spent on car rental purchases and on airline purchases, while also earning 3 HHonors bonus points per every $1 spent on other eligible purchases. 

Additional bonuses include the chance to earn a cardmembership anniversary bonus of 1 weekend night certificate, good for one weekend night at select hotels and resorts within the Hilton HHonors portfolio. This card comes with 12 other great services, like trip cancellation coverage and auto rental insurance, which is a bit less than the 16 included services you receive with the Citi Hilton HHonors™ Visa Signature® Card. 

Expert Reviews of the Citi® Hilton HHonorsTM Reserve Card

  • 4.0

    Regular APR

  • 2.0

    Intro APR

  • 3.0


  • 4.5


  • star rating 4.0/5

    Overall Rating

The Bottom Line

Card members enjoy an abundance of perks with 12 included services, the option to add Citi IdentityMonitor and endless reward opportunities. Just be sure to read the terms of your cardmembership to make sure you can get your full rewards.

The Good

This is great for those that travel abroad and stay at Hilton hotels; no foreign transaction fees, additional travel coverage and insurance, Gold status, and three different bonus point earning categories.

The Not so Good

In order to get the full benefits from this card you must frequently stay at Hilton hotels and there is a $95 annual fee.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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By: | Oct 5, 2014

I think this is an excellent hotel card. It has a lower annual fee than the comparable Amex product and the same rewards. I like how easy it is to get to diamond status and the full benefits of a stay at Hilton's portfolio of hotels and other properties.