Hilton Honors Amex Card evaluation: 100,000 bonus factors with no annual payment
Editor’s notice: This submit has been up to date with the most recent bank card info.
Hilton Honors American Categorical Card overview
The Hilton Honors American Categorical Card is the model’s no-annual-fee (see charges and charges), entry-level product. That includes 7 factors per greenback on eligible Hilton purchases and complimentary Hilton Honors Silver standing, the cardboard is a stable choice for brand spanking new cardholders loyal to the resort chain or these seeking to keep away from annual charges, though there are different journey playing cards that provide extra factors flexibility and larger perks. Card score*: ⭐⭐⭐
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Honors program covers 7,000 accommodations in additional than 120 nations, offering loads of probabilities to earn and redeem factors.
In case you’re a newbie in search of a bank card that comes with some Hilton perks, it’s your decision to try the Hilton Honors American Categorical Card. It has no annual payment and comes with a pleasant welcome provide, beneficiant class bonuses and journey and buy protections, making it an important choice for vacationers seeking to get began with Hilton Honors.
Right here’s every little thing you might want to resolve if the cardboard is correct to your pockets.
Associated: Selecting one of the best Hilton bank card for you
Hilton Honors American Categorical Card welcome provide
New candidates for the Amex Hilton Honors card can earn 100,000 bonus factors after spending $2,000 on purchases within the first six months of cardmembership. This provide ends on April 5, 2023.
This bonus is value $600, based mostly on TPG’s valuations. The perfect provide we have seen on this card included 130,000 factors however required $5,000 in spending; at current, you may get a majority of these factors for a fraction of the spending.
Incomes factors on the Hilton Honors American Categorical Card
With the Hilton Honors Amex, you’ll earn 7 Hilton Honors factors per greenback on stays at Hilton accommodations and resorts (together with paying to your room and on-site spending at eating places and spas), 5 factors per greenback at U.S. eating places (together with takeout and supply), 5 factors per greenback at U.S. fuel stations and U.S. supermarkets and three factors per greenback on different purchases.
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TPG values Hilton factors at 0.6 cents apiece. Which means you will earn a 1.8% return on day by day purchases and 4.2% return at Hilton accommodations — although you will get an additional 12 factors per greenback out of your Hilton Honors Silver elite standing, bumping your return to 11.4%.
Associated: Factors of View: Which bank card must you use for Hilton stays?
In case you’re in search of larger incomes alternatives masking a wider swath of journey purchases, together with flights and rental vehicles, you received’t get that with this card.
Redeeming factors on the Hilton Honors American Categorical Card
You’ll get one of the best worth to your Hilton factors when utilizing them for resort and resort stays, even with the chain’s lack of printed award charts. What number of factors you want for a resort room fluctuates, so you will not know the ultimate worth till you go to make a reservation. That stated, the Factors Explorer device can present you what different friends have paid lately.
You can too switch your Hilton Honors factors to 40 world airline loyalty applications, together with Amtrak. Nevertheless, until you might want to switch Honors factors to high off an airline account for a particular award, utilizing them for this objective isn’t actually a good suggestion. The switch ratio is often horrible, dropping hundreds of factors within the course of.
Our recommendation? Stick with resort room redemptions to get one of the best worth to your rewards.
Associated: 10 Hilton properties I can’t wait to redeem Hilton Honors factors for
You may do even higher whenever you redeem factors for a keep of 5 nights or longer. That is since you get a fifth evening free on stays utilizing factors.
This resort close to Niagara Falls fees 29,000 factors, however you will see within the picture that the fifth evening is free — leading to a last worth of 116,000 factors for 5 nights.
To be taught extra about redeeming Hilton factors (and doing so at an important worth), see the next:
Hilton Honors American Categorical Card advantages
The Hilton Honors Amex truly options a couple of notable perks and advantages past the welcome bonus. Right here’s an outline of what this card has to supply.
Elite standing
The cardboard comes with computerized Hilton Honors Silver elite standing, which gives member reductions, a 20% factors bonus on paid stays, no resort charges on award stays, a fifth evening free on award stays and free bottled water. In case you spend $20,000 on the cardboard in a calendar 12 months, you may even improve to Hilton Honors Gold standing, which TPG values at $1,220.
Nevertheless, it is value mentioning that different Hilton bank cards provide Gold standing mechanically, that means spending $20,000 to get there is not a great worth.
Leisure
Get unique entry to ticket presales and cardmember-only occasions, together with Broadway exhibits, live performance excursions, sporting occasions and extra by the American Categorical Experiences program.
Free transport
ShopRunner provides you free two-day transport on eligible objects at a community of greater than 100 on-line shops after signing up at shoprunner.com/americanexpress. Enrollment is required prematurely.
Prolonged guarantee
The cardboard comes with an prolonged guarantee that provides as much as one 12 months to an unique producer’s guarantee of 5 years or much less.
Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Buy safety
Buy safety covers objects by accident broken, stolen or misplaced in case you paid for them together with your card. This profit covers purchases for as much as 90 days and covers as much as $1,000 per merchandise — as much as $50,000 per calendar 12 months.
Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Automotive rental loss and injury insurance coverage
While you use the cardboard to order and pay for a automobile rental and decline the rental firm’s insurance coverage, you’re coated in opposition to injury and theft — as much as $50,000. This profit is secondary protection to your individual auto insurance coverage and doesn’t embody legal responsibility.
Eligibility and profit degree varies by card. Not all automobile sorts or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Categorical Journey Associated Companies Firm, Inc.
Devoted assist
The World Help Hotline helps with medical, authorized, monetary or different emergency companies when touring greater than 100 miles from residence.
Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are liable for the prices charged by third-party service suppliers.
Which playing cards compete with the Hilton Honors American Categorical Card?
The Amex Hilton Honors card has pure opponents with “Hilton” of their names, however a basic journey bank card additionally might do higher in your pockets. Listed below are choices it is best to contemplate.
- In case you like Hilton however need extra perks: The Hilton Honors American Categorical Surpass® Card earns an improved 12 factors per greenback at Hilton accommodations, gives computerized Gold standing and you may earn a free evening reward by spending $15,000 on purchases in a calendar 12 months. You may additionally get 10 Precedence Move airport lounge visits per 12 months, and the cardboard has only a $95 annual payment (see charges and charges). For extra info, learn our full evaluation of the Amex Hilton Surpass card.
- If you need versatile rewards with no annual payment: The Amex EveryDay® Credit score Card earns 2 American Categorical Membership Rewards factors per greenback at U.S. supermarkets (as much as $6,000 of purchases per 12 months, then 1 level per greenback) and 1 level per greenback on different purchases. You need to use these factors with Hilton but additionally use them with greater than a dozen airline and resort corporations. You will not get any advantages with Hilton however can have choices together with your factors whereas nonetheless not paying an annual payment (see charges and charges). For extra info, learn our full evaluation of the Amex EveryDay card.
- If you need a resort card with out an annual payment, no matter model: The Marriott Bonvoy Daring Credit score Card is an choice if you need a resort bank card with out an annual payment and are not tied to Hilton. You may earn 3 factors per greenback at Marriott Bonvoy properties, obtain complimentary Silver Elite standing (and 15 elite evening credit that will help you attain larger standing ranges with Marriott) plus different journey and buying protections. For extra info, learn our full evaluation of the Marriott Bonvoy Daring card.
The data for the Amex EveryDay card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
For extra choices, see our checklist of one of the best resort bank cards and greatest American Categorical playing cards.
Associated: The perfect no-annual-fee bank cards
Is the Hilton Honors American Categorical Card value it?
You would possibly assume the Amex Hilton card is value it by default because it has no annual payment. It is dependent upon what you are in search of, although. If entry-level elite standing, a great welcome bonus and honest incomes classes are enough, you will like this card. In case you’re in search of versatile rewards or extra Hilton perks, this card lacks these.
Backside line
The Hilton Honors American Categorical Card is an effective starter card for these seeking to maximize the advantages of Hilton’s loyalty program with out paying an annual payment — particularly with the elevated welcome bonus. It might not be the precise card for everybody, although it could be the precise card for you if that is what you are in search of.
Apply right here: Hilton Honors Amex with a 100,000-point bonus after you spend $2,000 in purchases on the cardboard within the first six months of cardmembership. Provide ends April 5.
Further reporting by Ryan Wilcox, Stella Shon and Madison Blancaflor.
For charges and charges of the Hilton Honors Amex Card, click on right here.
For charges and charges of the Hilton Honors Amex Surpass Card, click on right here.
