GET.com's Review of Hilton Honors American Express Card
|Highlights||Credit Card Feature|
|Things We Like||Earn 75,000 Hilton Honors Bonus Points|
|Our Least Favorite||No introductory low APR offer|
|Our Verdict||Great card to get bonus points on everyday purchases|
- Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
- No Annual Fee.
- Terms Apply.
- See Rates & Fees
- Intro APR
- Annual Fee
- Regular APR
- Credit Required
Hilton Honors American Express Card, a GET.com advertiser, is the American Express take on a Hilton rewards credit card. It comes with a tempting bonus offer and no annual fee. Obviously this card won't do you any good if you don't plan to stay at hotels or resorts in the Hilton group. But even if you love Hilton hotels, there are several Hilton credit cards available, and each has its own benefits for different types of Hilton customers. In this review we will look at the real perks that Hilton Honors American Express Card gives you, and see how it compares with other Hilton credit cards.
Things We Like About Hilton Honors American Express Card
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 on purchases using your new Card within the first 3 months of your Card Membership. Depending on what kind of hotel you want to stay at, those 75,000 Honors™ points can get you either a lot of nights or a lot of ritz.
You don't pay an annual fee to use this card. A rewards card with no annual fee always has a competitive advantage, because the rewards you earn are pure "profit" since you don't pay an annual fee to use the card.
You earn 5X Hilton Honors Bonus Points for each $1 of eligible purchases you charge to your Hilton Honors American Express Card at U.S. supermarkets, U.S. gas stations and U.S. restaurants. These rewards make this a very rewarding card to use if you want to hoard points towards a vacation just by paying for your normal expenses throughout the year.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases with a participating hotel or resort within the Hilton Portfolio of brands that you charge to your Card. If you stay at Hilton hotels often, on business trips for example, then this card will reward you well for your spending on Hilton bookings as long as you purchase the stays directly from Hilton hotels.
Earn 3 Hilton Honors Bonus Points for all other eligible purchases. Just using this card to pay for purchases lets you earn 3 points per dollar. If you charge most of the purchases you make to this card, those points can add up fast. Terms and limitations apply.
Earn a 500 point online booking bonus. Every time you make a hotel reservation online at a Hilton Honors brand website using your Hilton Honors American Express Card and pay for your stay with this card, you will receive 500 Hilton Honors™ Bonus Points Hilton Honors™ Credit Card from American Express. You receive this bonus 6 to 8 weeks from the date of your stay.
Enjoy complimentary Honors Silver status with your Hilton Honors™ Card. When you open your Card account you will automatically enjoy complimentary Silver status with your Hilton Honors™ Card. You would normally have to stay at a hotel in the Hilton group 4 times per year or 10 nights per year, but with this card you get it without having to meet any requirements. Benefits you get with Silver Status include:
- A 15% bonus on Honors Base Points earned.
- Every 5th night free on standard room reward stays of 5 nights or more (up to 4 free nights on a stay of 20 consecutive nights within the same stay).
- A second guest stays free in your room on qualifying stays at any hotels which would normally charge more for double occupancy. If a hotel rate includes extras like meals, activities, parking or breakfast, it may not qualify for this offer.
- Late checkout. You should request this in advance, as it is subject to availability.
- Complimentary access to hotel-owned-and-operated fitness centers and health club facilities during your stay.
- Complimentary in-room and lobby Standard Internet access during stays (at Hilton Hotels & Resorts, DoubleTree by Hilton™, Waldorf Astoria™ Hotels & Resorts, Conrad® Hotels & Resorts, Curio - A Collection by Hilton, Canopy™ by Hilton, Embassy Suites Hotels™ and Hilton Grand Vacations™.
- Two complimentary bottles of water per stay (at Hilton Hotels & Resorts, DoubleTree by Hilton™, Embassy Suites Hotels™, Hilton Garden Inn™, Waldorf Astoria™ Hotels & Resorts, Conrad® Hotels & Resorts, Curio - A Collection by Hilton, and Hilton Grand Vacations™ hotels).
Possibility of earning an upgrade to Honors Gold status. Every year in which you spend $20,000 on eligible purchases using your Card in 1 calendar year, you can earn an upgrade to Honors Gold status through the end of the next calendar year. Gold status entitles you to a 25% bonus on Honors Base Points earned from Hilton Honors, and room upgrades at participating hotels and resorts, when available. You also receive a 25% bonus on all the Honors Base Points you earn. Other perks of this status may include (depending on the hotel) cooked to order breakfasts, bonus Honors points, free in room movies, or complimentary continental breakfast for two.
You get a baggage insurance plan when you use this card to pay for travel. If your luggage is lost, stolen or damaged while in transit, you can get up to $500 of coverage for checked baggage and up to $1,250 for carry-on baggage.
Car rental loss and damage insurance is a big saver because you can decline the insurance offered by auto rental companies. This secondary insurance coverage will pay benefits above what is already covered by your auto insurance, liability insurance or any other insurance policy you may hold. Some vehicles are not covered, including full-sized sport utility vehicles, off-road vehicles, trucks, cars with a new retail price of USD $50,000 or more (as suggested by the manufacturer), and exotic cars. If you rent a vehicle that isn't covered then it may be advisable to take the insurance coverage offered by the auto rental merchant.
Enjoy an extended warranty on purchases that you charge to this card. You can get up to 1 extra year added to the original manufacturer's warranty for stuff with a warranty of 5 years or less. This coverage protects the things you buy with a benefit of up to a maximum of $10,000 per occurrence (no more than $50,000 per Card Member account per calendar year for all occurrences). Not everything you buy will enjoy this coverage. For example, auto parts, software, motorized devices and anything that gets damages as the result of a natural disaster will not be covered. But in most cases you will get this extra warranty, and all you have to do is pay with your card which isn't asking a lot.
You can return stuff you don't want. When you use this card to pay for something in full, you benefit from Return Protection. If you wan to return it but the merchant doesn't want to take it back, American Express may refund the full purchase price (shipping and handling not included) with up to $300 per item. You can benefit from up to a maximum of $1,000 per calendar year.
Enjoy complimentary travel accident insurance when you pay for the full cost of travel using this card. That can help you save because you won't need to buy the travel accident insurance that airlines or travel agencies try to push on you, since you already get this coverage. Just bear in mind that travel accident insurance only pays out a benefit if you are killed or permanently and critically disabled (think loss of multiple limbs, eyesight, etc.). If you want more comprehensive coverage then pay with a card that gives you additional travel insurance benefits or get third party coverage.
You get entertainment perks through the Entertainment Access® benefit offered by Amex. Enjoy exclusive access to ticket presales and Card Member-only events in a city near you. You may also get special rates on tickets to sporting events, concerts and more.
No foreign transaction fees. This feature is convenient if you are the globetrotter type and like to spend your vacations traveling the world or lounging on some foreign beach, since you can use it while traveling internationally and you don't have to worry about additional fees on purchases made abroad.
Our Least Favorite Things About Hilton Honors American Express Card
No introductory low APR offer. This card does not give you a low introductory APR for either purchases or balance transfers. In other words, this is not the right card account to transfer your old credit card debt into. It also isn't a good card to use if you don't pay your credit card bill in full every month, as it has a 17.74% - 26.74% variable APR for purchases and balance transfers.
How Other Cards Compare With Hilton Honors American Express Card
|Regular APR:||17.74%-26.74% Variable|
|See Rates & Fees||Terms Apply|
|Intro APR:||0% Introductory APR for 12 billing cycles for purchases|
|Regular APR:||16.99% - 24.99% Variable APR|
If you want to earn a lot of Hilton rewards on your everyday spending and enjoy Hilton Honors Silver status while paying no annual fee, Hilton Honors American Express Card is the card to get.
Hilton Honors American Express Card packs a powerful punch as a rewards card for Hilton customers. The categories of purchases that you earn high points in are things that you probably spend a lot of money on in the course of everyday life (U.S. restaurants, U.S. supermarkets, and U.S. gas stations). You also earn high points for all eligible purchases (purchases minus returns and credits) that you make. The American Express benefits that you enjoy when you use this card to pay for purchases and travel provide just one more reason to choose Hilton Honors American Express Card as your Hilton rewards card. If you want to save up Hilton Honors points towards a Hilton hotel or resort stay while paying no annual fee, this is a very rewarding and uncomplicated card to use, in our opinion.
See more American Express credit cards.