- Sign-Up Bonus
- 3.5
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 5
- Issuer
- NaN
Summary
03/12/2026: New welcome offer is 70K Hilton Honors Bonus Points + 1 Free Night Reward. Offer is set to end 04/15/2026
- Sign-Up Bonus
- 3.5
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 5
- Issuer
- NaN
The Hilton Honors American Express Card is a no annual fee hotel credit card tailored for casual travelers and budget-conscious Hilton guests who want to earn rewards without committing to a premium card. Ideal for those who occasionally stay at Hilton properties, the card provides complimentary Hilton Honors Silver status, helping cardholders enjoy basic perks like priority check-in and bonus points on stays. Additional benefits include no foreign transaction fees, free authorized users, purchase protection up to $1,000 per occurrence ($50,000 per year), and car rental loss and damage insurance. While most elevated spending categories are limited to U.S. purchases and Hilton points are valued around 0.5 cents each, this card is perfect for infrequent Hilton guests or travelers seeking a simple, no-cost way to earn points and access basic hotel loyalty benefits.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Welcome offer can only be received once in a lifetime
- Opening this might card effects your welcome offer eligibility on other cards in the same family
- Number of hard pull are usually irrelevant for American Express
- Consider having at least a credit history for 6 months and avoid applying to different cards in the same card family for at least 90 days
- American Express limits customers to 5 credit cards
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 19.49% - 28.49% Variable APR
- 28.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)