- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
Summary
09/07/2026: New Welcome bonus has been increased to 80K Points
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
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 1.5
- Fees
- 5
- Application
- 5
- Issuer
- 4.5
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
American Express, founded in 1850, has evolved from a freight forwarding company to the largest global payment network. Known for its charge card introduced in the 1950s, American Express operates as one of the largest banks in the US, extending its products and services to over 200 countries and owning the 4th largest card network globally, making it one of the largest bank in the US. Beyond its renowned card offerings, American Express provides a comprehensive range of financial products and services, including savings, checking, personal loans, as well as business and travel services. Although primarily targeting affluent individuals and businesses, recent efforts focus on attracting Millennials and Gen Z customers. With a strong emphasis on technology and a user-friendly website, the company ensures accessibility to its diverse offerings. Despite its financial stability, with over $298 billion in assets and $80 billion in annual revenue in 2025, some businesses may decline American Express cards due to high interchange fees. Additionally, the company's strategic partnerships, including co-branded cards with Delta, Hilton, and Marriott, contribute to its revenue streams. However, American Express is committed to ESG initiatives, philanthropy, and regulatory compliance, offering FDIC-insured deposits and upholding a mission to provide the world's best customer experience while supporting equitable and resilient communities globally.
Spending Multipliers
7x
Points on Hilton hotels & resorts
5x
Points on US restaurants
5x
Points on groceries at US supermarkets
5x
Points on US gas stations
3x
Points on all other purchases
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)