American Express Hilton Honors - Find Me a Card

American Express Hilton Honors

A good card for people who are frequent Hilton guests (7x points on Hilton) or who spend on dining, groceries, and gas (5x), which has a welcome bonus of 80K points (after spending $1K w/in 3 months), and no annual fee.

Your total savings: $2,084 over the next 5 years

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Credit Score Required:
Average (670-739)
American Express
American Express

Rewards & Perks

Reward Highlights

  • 7x points at Hilton properties.
  • 5x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3x points everywhere else.
  • Welcome bonus of 80K points (after spending $1,000 w/in 3 months).
  • Plus an additional 50K points if you spend a total of $5,000 w/in 6 months.
  • Hilton Honors Silver status: Includes 15% points bonus, fifth night free on award stays, and two complimentary bottles of water per stay.

Other Rewards & Perks

  • Hilton Honors Gold status (for each year that you spent $20,000 in the prior calendar year): Includes 80% points bonus on stays, milestone bonus, fifth night free on reward stays, two complimentary bottles of water per stay, room upgrades, breakfast, and bonus points or other welcome amenity.
  • Global Assist Hotline: When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial, or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more.
  • American Express Experiences: Get access to concert, theater, and special event tickets before they go on sale to the public.
  • Pay It or Plan It: Two different options to pay down your balance. Take advantage of the "Pay It" option to pay small purchase amounts (under $100), or you can "Plan It" to split up large purchases ($100 or more) with a fixed fee.
  • Other perks include: Fraud protection and car rental loss and damage insurance.

Special Signup (Promo) Rewards & Perks

  • Welcome bonus of 80K points (after spending $1,000 w/in 3 months).
  • Plus an additional 50K points if you spend a total of $5,000 w/in 6 months.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 15.74-24.74%.
  • No foreign transaction fees.

Annual Fee: $0

Interest Rate (“Purchase APR”): 15.74-24.74%

Cash Advance Fee: 5%

Cash Advance APR: 25.24%

Penalty APR: 29.24%

User Ratings & Reviews

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Other Info

Date Introduced: 2018-01-30

Date Last Updated: 2021-07-20

Notes & Fine Print

The original version of this credit card was launched in 1995, but it was essentially revamped and relaunched in January 2018, so we here at have marked its launch date as being January 2018. Plan Fee (Fixed Finance Charge): Up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

Summary of Penalty Conditions

This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if: 1) you make one or more late payments; or 2) your payment is returned by your bank We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account. How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed.

✔ Travel rewards (airline and hotel)

✔ Signup bonuses

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