Hilton Honors American Express Card

Hilton Honors Credit Card Review Highlights:

Great-value card bonus

You’ll earn 80,000 points by spending $1,000 within 3 months of getting approved for the Hilton Honors Card American Express Card. That’s not the biggest bonus available, but it is efficient.

Modest ongoing rewards

Considering the relatively low value of an Honors point, the Hilton American Express Card’s ongoing earning rates of 3 to 7 points per $1 spent amount to just 1.47% to 3.43% “cash” back, in the form of Hilton credit. That’s pretty good relative to the average cash rewards card’s offer of 1.07% back on all purchases.

No annual fee

As a result, it is $19.76 per year cheaper than the average credit card, according to WalletHub’s latest Credit Card Landscape Report.

Complimentary Silver status

Silver status is just one step up from basic Honors membership, but getting it for free from the Amex Hilton Card is still a nice benefit, given that you usually have to stay in a Hilton hotel at least four times per year to qualify. Silver status gets you a 15% bonus on all the points you earn.

Above-average APR likely

The Hilton Amex Card’s APR ranges from 15.74% to 24.74% (V). The market average for a card that requires excellent is 12.99%, while the average for a good-credit is 19.24%. And since the rate you get depends on your overall creditworthiness, people with excellent credit can expect something toward the low end, while applicants with good credit can expect a high-end rate. As a result, both groups are likely to overpay on interest if they carry a balance from month to month with the Hilton Amex.

Good or Excellent Credit Required

You need at least good credit to qualify for the Hilton American Express Card, so make sure to check your credit score for free on WalletHub before applying.