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Hilton Honors American Express Card benefits guide

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For loyal Hilton customers and frequent travelers, the Hilton Honors American Express Card has plenty of attractive features that make it worth considering. This hotel credit card from American Express earns Hilton Honors bonus points and also comes with complimentary Hilton Honors Silver status, no foreign transaction fees and other perks.

Hilton Honors American Express Card highlights

  • Rewards: 7X points for eligible purchases charged directly with a hotel or resort within the Hilton portfolio, 5X points at U.S. supermarkets, U.S. gas stations and U.S. restaurants and 3X points on all other purchases
  • Welcome bonus: 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $100 Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership.
  • Annual fee: $0
  • APR: 17.24 percent to 26.24 percent variable

Earning points

One of the main benefits of the Hilton Honors American Express Card is the opportunity to earn Hilton Honors points on purchases. The card earns 7X points on Hilton hotel and resort stays, 5X points at U.S. supermarkets, U.S. gas stations and U.S. restaurants and 3X points on everything else.

You can use these points to book free stays at Hilton hotels and resorts. You can also use points to purchase tickets for concerts, dining, sporting events, pay for Lyft rides, shop on Amazon and convert points into airline miles with Hilton’s travel partners.

Aside from earning points on every purchase you make with your Hilton Honors American Express Card, there are a few other ways you can earn and share points. For example, pool points with up to 10 other members for a shared trip or family getaway. You can also buy extra points, gift points or transfer them to friends or family members.

Travel benefits

Hilton Honors Silver status

The Hilton Honors American Express Card also comes with plenty of travel benefits, including automatic Hilton Honors Silver status. Some of the perks of Silver status include a 20 percent earning bonus on hotel stays, free bottled water and a free 5th-night stay. Members can also connect to free Wi-Fi, access exclusive Hilton Honors Experiences, check in digitally and choose their own rooms.

Cardholders also have the opportunity to qualify for Hilton Honors Gold status depending on how much they spend. If you spend $20,000 on eligible purchases in a calendar year, you can earn an upgrade to Hilton Honors Gold status. Gold status comes with perks like an 80 percent earning bonus on hotel stays, potential room upgrades and a daily food and beverage credit.

No foreign transaction fee

Unlike many cards, the Hilton Honors American Express Card doesn’t charge foreign transaction fees. This means that you can use your card to shop abroad without incurring any additional charges.

Car rental loss and damage insurance

This travel credit card comes with car rental loss and damage insurance, which means that you can decline the collision damage waiver and save money when you rent a car while traveling.

Global assist hotline

The global assist hotline provides personalized customer service if any issues come up when you’re traveling. The hotline can provide help for anything from missing passports and lost luggage to emergency legal and medical referrals.

Additional benefits

This card also comes with some additional standard (and a few not-so-standard) benefits like fraud protection and Amex Send and Split.

No annual fee

Unlike many rewards credit cards, the Hilton Honors American Express Card charges no annual fee. This means, no matter how much or little you spend using the card, you’ll always come out ahead at the end of the year.

American Express Experiences

Cardholders have access to exclusive ticket presales and events as part of the American Express Experiences program.

Amex Send and Split

Send and Split allows cardholders to send money and split purchases via PayPal and Venmo within the American Express mobile app. Plus, you’ll still earn rewards on the purchases you split. Whether you need to pay a friend back for coffee or split rent with your roommate, it’s easy to do so within the app.

Fraud protection

Fraud protection protects cardholders in case there are any fraudulent purchases made using your card. If you notice any suspicious purchases that you think may be fraudulent, you can get in touch with Amex customer service using the number on the back of your card.

Additional cards

Get additional cards for your children, spouse or other people who make purchases for you. This makes it easy to ensure the right purchases go on the card in order to earn the maximum amount of rewards.

Pay It, Plan It

The Hilton Honors American Express Card also comes with a Pay It, Plan It feature, which gives cardholders unique options when it comes to paying off their balance. You can use the “Pay It” feature to make payments on purchases under $100 throughout the month. With the “Plan It” feature, you can select purchases over $100 and split them up into monthly payments with no interest charges.

Year-end summary

Like many rewards credit cards, the Hilton Honors American Express Card gives cardholders the ability to review their annual spending through a year-end summary. This can help you to see how much you’ve spent throughout the year and what your top spending categories were.

The bottom line

If you stay at Hilton hotels and resorts frequently, the Hilton Honors American Express Card is an easy choice. With hotel credit card perks like complimentary Hilton Honors Silver status, as well as no foreign transaction fees or annual fee, this American Express credit card is a great way to earn points toward free hotel stays and more.

On the other hand, if you’re not a frequent traveler or aren’t brand-loyal to Hilton, an all-purpose rewards credit card might be a better choice. That said, the Hilton Honors American Express Card provides plenty of value to cardholders who stay with Hilton several times a year.

With no annual fee, this card is also a great budget-friendly option for customers looking for a low-cost Hilton rewards card. But if you don’t mind a steeper annual fee in exchange for even more lucrative benefits, other Hilton credit cards like the Hilton Honors American Express Surpass® Card and the Hilton Honors American Express Aspire Credit Card are also worth considering.

Written by
Margaret Wack
Personal Finance Expert Contributor
Margaret has written for Money Under 30, MoneyGeek, The Simple Dollar, CreditCards.com, Interest.com and Fiscal Tiger, among other publications. She writes about subjects including saving, credit, insurance, investing and other financial topics.
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