Hilton Amex Credit Cards: Choosing the Right One for You

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Hilton
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If you're a Hilton fan, you're in luck - they offer a range of American Express credit cards that can help you earn points and rewards.

The Hilton Honors Aspire Card from American Express is one of the most popular options, offering a 150,000-point bonus after spending $4,000 in the first three months.

With this card, you'll also get a free weekend night reward every year, plus a $250 airline fee credit and a $250 resort credit.

Features & Benefits

With Hilton Amex credit cards, you can enjoy some amazing features and benefits that make your travels even more rewarding. You can earn Hilton Honors points on everyday purchases, which can be redeemed for hotel stays, vacation packages, and more.

One of the best features of these cards is the lack of foreign transaction fees, so you can travel internationally without worrying about extra fees on your purchases abroad.

You'll also get access to exclusive events and ticket presales through the American Express app, so you can stay in the know and enjoy the latest concerts, shows, and sporting events.

Credit: youtube.com, American Express REVAMPS Hilton Cards: Good or Bad? Amex Hilton Aspire, Hilton Surpass

The Send & Split feature is another convenient perk, allowing you to easily split purchases and send money to friends and family with just a few taps in the American Express app.

Some of the Hilton Amex credit cards offer complimentary elite status, such as Silver, Gold, and Diamond status, which come with perks like bonus points, free nights, and more.

Here are some of the benefits you can enjoy with Hilton Amex credit cards:

  • No Foreign Transactions Fees
  • Access to Events with Amex
  • Send & Split
  • Complimentary Elite Status (Silver, Gold, and Diamond)

With these cards, you can earn up to $200 in statement credits annually, plus enjoy a free night reward after spending $15,000 on eligible purchases within a calendar year.

You'll also get National Car Rental status, which comes with special privileges and convenience when renting cars at eligible locations.

The Hilton Aspire card, in particular, offers top-tier Diamond elite status, generous benefits, and a higher welcome bonus, making it a great option for frequent Hilton travelers.

Earning and Eligibility

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Earning Hilton Amex rewards is a straightforward process. You'll earn points on your purchases, depending on the type of purchase and the card you're using.

Here's a breakdown of how you can earn points:

  • 7X Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
  • 5X Points on dining at U.S. restaurants (including takeout and delivery), U.S. supermarkets, and U.S. gas stations.
  • 3X Points on all other eligible purchases.

The welcome bonus for Hilton Amex cards is limited, but not entirely out of reach. You can earn the welcome bonus on each card just once per lifetime, per card. However, if you've had a Hilton Honors card before, it's unlikely to affect your chances of qualifying for Hilton Aspire or Hilton Surpass.

How You Earn

Earning points is a straightforward process, and I'm happy to break it down for you. You earn points on eligible purchases, and the rewards are pretty generous.

You'll earn 7X points on purchases made directly with hotels and resorts within the Hilton portfolio, which is a great perk if you're a frequent traveler.

Welcome Bonus Eligibility

The welcome bonus is a great incentive to sign up for a credit card, but it's essential to understand the eligibility rules before applying. You can earn the welcome bonus to once per lifetime per card, which means if you've had a specific card before, you're unlikely to be able to earn the bonus from that particular card again.

Credit: youtube.com, Am I Eligible for American Express Sign Up Bonuses With Open Amex Cards?

However, each card is considered a different product, so having a Hilton Honors card previously shouldn't negatively affect your chances of qualifying for the Hilton Aspire or Hilton Surpass card.

The Hilton Aspire and Hilton Surpass cards offer increased welcome bonuses, making them attractive options for those who want to earn rewards. The Hilton Honors Card is a good starting option with no annual fee, making it a great choice for those who want to dip their toes into the world of Hilton credit cards.

Hilton points are worth about 0.5 to 0.6 cents each on average, which means the welcome bonus could get you anywhere from $500 to over $1,000 towards stays at Hilton-affiliated hotels.

Promotions and Offers

The Hilton Amex credit cards are offering some amazing promotions and deals right now. You can earn 130,000 Hilton Honors Bonus Points after spending $3,000 on purchases in your first 6 months.

A limited time offer for co-branded Honors cards is available until July 31, 2024, and includes a free night in addition to bonus points for signing up. The Hilton Honors Card and Hilton Honors Surpass offer this perk.

The Hilton Honors Aspire Card and Hilton Honors Business Card offer more points than usual. It's great that we're seeing the free night offers pop back up!

Alternatives and Comparison

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If you're looking for alternatives to the Hilton credit cards, you might consider the American Express Membership Rewards points, which transfer to Hilton at a 1:2 ratio. This means that every Membership Rewards point you earn is worth two Hilton points.

The Platinum Card from American Express is a good option for quickly earning Membership Rewards points, with new card members earning 80,000 points after spending $8,000 on purchases in the first six months. This is equivalent to 160,000 Hilton points. Plus, American Express Platinum cardholders receive complimentary Hilton Gold status, which requires enrollment.

You can also earn Hilton Gold status through the Hilton Honors American Express Surpass Card, which offers Gold status as a benefit. In contrast, the Hilton Honors American Express Aspire Card offers Diamond status, which is a higher tier of membership.

Here's a comparison of the three Hilton credit cards:

Alternatives to the

If you're considering a Hilton credit card, you might also want to look into American Express Membership Rewards points, which transfer to Hilton at a 1:2 ratio. This means every Membership Rewards point you earn is worth two Hilton points.

Hilton
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The Platinum Card from American Express is a great option for quickly earning Membership Rewards points - new card members can earn 80,000 points after spending $8,000 on purchases in the first six months, which is equivalent to 160,000 Hilton points.

One of the benefits of the American Express Platinum card is that cardholders receive complimentary Hilton Gold status, which requires enrollment. This can be a great perk if you're already planning to use the card for other purchases.

Here's a comparison of the Hilton credit cards and the American Express Platinum card:

As you can see, the American Express Platinum card offers a similar sign-up bonus to the Hilton Honors American Express Card, but with the added benefit of complimentary Hilton Gold status.

Comparison of

If you're considering getting a Hilton credit card, you're not alone. Many people choose these cards for their rewards and benefits.

The Hilton Honors American Express Card has an annual fee of $0 and offers 7X points on eligible purchases at participating hotels and resorts, 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X points on all other eligible purchases.

Man Handing a Credit Card to a Hotel Receptionist
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The Hilton Honors American Express Surpass Card has a higher annual fee of $150, but it offers 12X points on eligible purchases at participating Hilton hotels or resorts, 6X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, 4X points on U.S. online retail purchases, and 3X points on all other eligible purchases.

The Hilton Honors American Express Aspire Card has the highest annual fee at $550, but it also offers the most rewards, including 14X points on eligible purchases within the Hilton portfolio, 7X points on qualifying travel purchases made directly with airlines/select car rental companies or Amextravel.com, 7X points at U.S. restaurants, and 3X points on all other eligible purchases.

Here's a comparison of the three cards:

Application and Fees

To apply for a Hilton Amex credit card, you'll need to visit the American Express website and submit an online application.

The application process typically takes around 5-10 minutes to complete.

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You'll need to provide personal and financial information, including your name, address, income, and employment status.

The Hilton Amex credit card has an annual fee, which ranges from $95 to $450 depending on the specific card you choose.

This fee can be paid upfront or spread out over time, depending on your payment preferences.

Applying for

Applying for a credit card can be a wise decision if you're a fan of Hilton-branded hotels and travel often.

Signing up for a Hilton credit card depends on your travel and spending habits. If you're an occasional traveler, the Hilton Honors American Express Card might be the way to go.

The Hilton Honors American Express Card is a good choice for those who don't travel frequently, but still want to earn rewards and benefits.

Frequent travelers who indulge in luxury amenities, on the other hand, will likely prefer the Hilton Honors American Express Aspire Card.

Annual Fee: $550

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The annual fee for this card is a straightforward $550. This fee is a one-time payment made each year to maintain your card membership.

The benefits of this card far outweigh the cost, in my opinion. With the right usage, you can earn back a significant portion of the annual fee.

To put this into perspective, consider the $400 Hilton Resort Credit, which can be redeemed semi-annually for eligible purchases made directly with participating Hilton Resorts.

Here are some of the key benefits that come with the annual fee:

  • Complimentary Hilton Honors Diamond Status
  • $400 Hilton Resort Credit
  • Free Night Reward
  • $200 Flight Credit
  • $199 CLEAR Plus Credit
  • $100 Hilton On-Property Credit

The Takeaway

If you're a frequent traveler, consider your travel habits and reward preferences when choosing a Hilton Honors American Express Card.

The Hilton Honors American Express Card offers exciting rewards and benefits that can help you get the most out of your Hilton stays.

Each card has a unique set of benefits that can make your travels more enjoyable, and the annual fees should be taken into account when making a decision.

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You could benefit from the welcome bonuses offered by the Hilton Honors American Express Card, Hilton Honors American Express Aspire Card, or Hilton Honors American Express Surpass Card if you stay at Hilton Hotels at least a few times a year.

With these increased offers, you can book anything from a stopover at an airport hotel to a night at a luxury resort.

Frequently Asked Questions

How many Hilton Honors American Express cards are there?

There are four Hilton Honors American Express cards in total, including one small-business option. The two main cards are the no-fee Hilton Honors American Express Card and the $150 annual fee Hilton Honors American Express Surpass Card.

Felicia Koss

Junior Writer

Felicia Koss is a rising star in the world of finance writing, with a keen eye for detail and a knack for breaking down complex topics into accessible, engaging pieces. Her articles have covered a range of topics, from retirement account loans to other financial matters that affect everyday people. With a focus on clarity and concision, Felicia's writing has helped readers make informed decisions about their financial futures.

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