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3.0/5.0 from 20 Offer Ratings
Over the Past 60 Days!
Late Payment Fees Up to $38
Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee Either $5 or 3% of the amount of each cash advance, whichever is greater
Returned Payment Fee Up to $38
Penalty APR 29.99%
Rewards Cap No cap
Rewards Rate 7x points at Hilton Hotels, 5x on dining, groceries, & gas, 3x on other purchases*
Annual Fee $0
Grace Period 25 days
$0 Fraud Liability Yes
Auto Rental Insurance Yes
Extended Warranty Program Yes
Roadside Assistance No
Purchase Protection Yes
Travel Assistance Yes
Flight Accident Insurance No
Lost Luggage Reimbursement Yes
Concierge Service Yes
Hilton Worldwide provides one of the largest and most well respected hotel chains in the world, and their Hilton Honors loyalty program provides a great opportunity for frequent travelers to earn free nights and special perks at Hilton Hotels. The Hilton Honors™ Card from American Express is another way that travelers can earn points on every purchase.
Cardholders will earn a generous 7x points at Hilton Hotels, 5x points at restaurants, supermarkets, and gas stations, and 3x points on all other purchases. For a limited time this card also comes with 80,000 Bonus Points after new cardholders spend $2,000 on the card in the first 3 months. On top of the points, the Hilton Honors Card from American Express comes with Car Rental Loss & Damage Insurance, Baggage Insurance Plan, and a Global Assist Hotline.
There is no annual fee on this card, but there is a 2.7% foreign transaction fee, so you might want to refrain from using it overseas. The APR on purchases is 15.99%-19.99% Variable based on the applicant’s credit worthiness.
For people who frequently stay at Hilton Hotels, this card is a great tool for bringing in Hilton Honors Points. If you’re not interested in earning free nights at Hiltin Hotels, then this card probably isn’t for you.
By offering 7x points at Hilton Hotels, 5x points on dining, groceries, and gas, and 3x points on other purchases, this card has a great rewards rate for earning free nights with Hilton. Also, having no annual fee means you can accumulate points at no cost.
Since there is a 2.7% foreign transaction fee, this card won’t be especially useful to travelers who frequently stay in Hilton Hotels overseas.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by American Express.
20 Total Ratings