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The entry-level Hilton Honors Credit Card from American Express doesn’t get a lot of attention because it’s a simple card that doesn’t offer any amazing or eye-catching benefits. That, however, doesn’t mean this is a card you should ignore. With a great welcome offer and no annual fee, this can be a fantastic starter card for anyone new to the miles and points game or a great backup card for infrequent visitors to Hilton properties worldwide.
Here’s what you need to know about the Hilton Honors Credit Card from American Express:
- $0 (zero) – rates & fees
Limited-Time Welcome Offer
- Receive 100,000 Hilton Honors Points after you spend $1,000 on the card in the first three months after you open your account.
- Receive up to $100 in statement credits for purchases made with Hilton in the first twelve months after you open your account (more details)
**This welcome offer will expire on 25 August 2021**
Note: The welcome offer is not available to applicants who have or have had this card in the past.
- 7 points/dollar at all properties in the Hilton portfolio
- 5 points/dollar at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
- 3 points/dollar on all other eligible purchases
- Complimentary Hilton Honors Silver status
- Cardholders can earn Hilton Honors Gold status after spending $20,000 in purchases on the card in a calendar year
- No foreign transaction fees
Why I Love This Card
The Welcome Offer
For a card that doesn’t charge an annual fee (rates & fees), the welcome offer is amazing.
If you look at the welcome offer from a pure points perspective, it’s easy to see just how tempting it really is. 100,000 points is enough to book a night at almost every top Hilton property in the world and it’s enough to book multiple nights at a variety of mid-tier properties too. Considering this is an offer for a card that doesn’t charge an annual fee, that’s pretty good going!
If you want to look at the welcome offer from a value perspective rather than from a pure points perspective, it looks very good too.
I value Hilton Honors points at 0.4 cents each (based on how I use them and how easy I find them to use) and that values the bonus points on offer at $400. That’s $400 of value from a card that won’t cost you a dime unless you make the cardinal mistake of carrying a balance (no one should ever carry a balance on a travel rewards card). What’s not to like about that?
What makes the main part of the welcome offer even more appealing is the fact that the spending target required to earn the 100,000 bonus points is relatively low ($1,000 of spending in 3 months) and the fact that because this card offers bonus points for spending at US supermarkets, just about everyone applying for this card should find the points part of the welcome bonus straightforward and economical to earn.
Lastly, it’s important not to forget that while this limited-time welcome offer is in place, new cardholders can also earn up to $100 in statement credits for spending made with Hilton in the first 12 months of card membership and for anyone with plans to have a least one Hilton stay in the next year, that should be another easy bit of value to get out of this card.
Access To Hilton’s 5th Night Free Benefit
The Hilton Honors Credit Card bestows Hilton Honors Silver status on a cardholder and if you have elite status with the Hilton Honors program, the 5th night of all award stays is free (see how the 5th night free is calculated). Even if you ignore all the other aspects of this card, this benefit alone makes it a card that’s worth having – it’s a money saver.
No Foreign Transaction Fees
Not only does the Hilton Honors Credit Card cost nothing to hold but it also doesn’t punish cardholders when they use the card outside of the United States. There aren’t very many cards that don’t charge an annual fee and that waive foreign transaction fees but this card is one of them and it’s a great benefit to have.
Effective Every Day Rebates
The Hilton Honors Credit Card earns cardholders 5 points/dollar at U.S. supermarkets, U.S. restaurants, and U.S. gas stations and those are spending categories that most people use in their everyday lives. Based on my earlier valuation of Hilton Honors points (0.4 cents each) this card offers a 2.0 cent/$ (or 2%) rebate in all three of those categories. That’s not bad for a card that costs absolutely nothing to hold.
Access To Amex Offers
The Hilton Honors Credit Card is issued by American Express and all American Express cards give cardholders access to Amex Offers which can easily save them hundreds of dollars a year.
Access To Amex Shop Small
Every year Amex runs its “shop small” campaign in which it offers statement credits for spending at smaller establishments around the country. Last year the campaign offered $5 back on $10 of spending at participating locations (up to $50 back in total) and every Amex card in a person’s wallet is eligible for this promotion (if you have 4 Amex cards you could earn up to $200 back).
A free-to-hold card like the Hilton Honors Credit Card is eligible for $50 of credits in the same way as the $695/year Platinum Card® from American Express is (rates & fees), but with the Platinum Card, the credits just help to offset part of the annual fee while with the Hilton Honors credit card the credits are effectively free money.
I really like the Hilton Honors Credit Card and it’s a card I held until April 2019 when Amex offered me 150,000 bonus points to upgrade to the Hilton Honors American Express Surpass® Credit Card. If you’re a frequent visitor to Hilton properties this isn’t the most efficient card to use to collect Hilton Honors points (a card like the Surpass card may be better), but if you’re an infrequent Hilton guest (as I was) or new to the miles and point world, this is a great card to hold.
The Hilton Honors Credit Card is simple, it’s economical, and the 100,000 bonus points that it’s currently offering will get cardholders a free night at almost all of Hilton’s top properties around the world and at least two nights at a significant number of other nice Hiltons. What more could you want from a card that doesn’t charge an annual fee? 😀