Editor’s be aware: This put up has been up to date with the most recent bank card data.
Hilton Honors American Specific Card overview
The Hilton Honors American Specific Card is the model’s no-annual-fee (see charges and costs), entry-level product. That includes 7 factors per greenback on eligible Hilton purchases and complimentary Hilton Honors Silver standing, the cardboard is a strong choice for brand new cardholders loyal to the lodge chain or these trying to keep away from annual charges, though there are different journey playing cards that supply extra factors flexibility and larger perks. Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Honors program covers 7,000 lodges in additional than 120 international locations, offering loads of possibilities to earn and redeem factors.
When you’re a newbie searching for a bank card that comes with some Hilton perks, you might have considered trying to try the Hilton Honors American Specific Card. It has no annual charge and comes with a pleasant welcome provide, beneficiant class bonuses and journey and buy protections, making it a fantastic choice for vacationers trying to get began with Hilton Honors.
Right here’s every thing you might want to resolve if the cardboard is true on your pockets.
Associated: Selecting the very best Hilton bank card for you
Hilton Honors American Specific 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. One of the best provide we have seen on this card included 130,000 factors however required $5,000 in spending; at current, you will get a majority of these factors for a fraction of the spending.
Incomes factors on the Hilton Honors American Specific Card
With the Hilton Honors Amex, you’ll earn 7 Hilton Honors factors per greenback on stays at Hilton lodges and resorts (together with paying on 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 may earn a 1.8% return on each day purchases and 4.2% return at Hilton lodges — although you may 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?
When you’re searching for greater incomes alternatives masking a wider swath of journey purchases, together with flights and rental vehicles, you gained’t get that with this card.
Redeeming factors on the Hilton Honors American Specific Card
You’ll get the very best worth on your Hilton factors when utilizing them for lodge and resort stays, even with the chain’s lack of printed award charts. What number of factors you want for a lodge room fluctuates, so you will not know the ultimate worth till you go to make a reservation. That stated, the Factors Explorer software can present you what different visitors have paid not too long ago.
It’s also possible to switch your Hilton Honors factors to 40 international airline loyalty applications, together with Amtrak. Nonetheless, except you might want to switch Honors factors to prime off an airline account for a particular award, utilizing them for this goal isn’t actually a good suggestion. The switch ratio is often horrible, dropping hundreds of factors within the course of.
Our recommendation? Keep on with lodge room redemptions to get the very best worth on your rewards.
Associated: 10 Hilton properties I can’t wait to redeem Hilton Honors factors for
You may do even higher if 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 lodge close to Niagara Falls expenses 29,000 factors, however you may see within the picture that the fifth evening is free — leading to a remaining worth of 116,000 factors for 5 nights.
To be taught extra about redeeming Hilton factors (and doing so at a fantastic worth), see the next:
Hilton Honors American Specific Card advantages
The Hilton Honors Amex really options just a few notable perks and advantages past the welcome bonus. Right here’s an summary of what this card has to supply.
Elite standing
The cardboard comes with automated Hilton Honors Silver elite standing, which supplies 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. When you spend $20,000 on the cardboard in a calendar 12 months, you possibly can even improve to Hilton Honors Gold standing, which TPG values at $1,220.
Nonetheless, it is value declaring that different Hilton bank cards provide Gold standing routinely, that means spending $20,000 to get there is not a superb worth.
Leisure
Get unique entry to ticket presales and cardmember-only occasions, together with Broadway exhibits, live performance excursions, sporting occasions and extra by way of the American Specific Experiences program.
Free transport
ShopRunner provides you free two-day transport on eligible gadgets at a community of greater than 100 on-line shops after signing up at shoprunner.com/americanexpress. Enrollment is required upfront.
Prolonged guarantee
The cardboard comes with an prolonged guarantee that provides as much as one 12 months to an authentic producer’s guarantee of 5 years or much less.
Eligibility and profit ranges differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Buy safety
Buy safety covers gadgets by chance broken, stolen or misplaced if you happen to 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 differ by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
Automobile rental loss and harm 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 lined towards harm and theft — as much as $50,000. This profit is secondary protection to your personal auto insurance coverage and doesn’t embody legal responsibility.
Eligibility and profit degree varies by card. Not all automobile varieties or leases are lined, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by way of American Specific Journey Associated Companies Firm, Inc.
Devoted assist
The International Help Hotline helps with medical, authorized, monetary or different emergency providers when touring greater than 100 miles from dwelling.
Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are answerable for the prices charged by third-party service suppliers.
Which playing cards compete with the Hilton Honors American Specific Card?
The Amex Hilton Honors card has pure rivals with “Hilton” of their names, however a basic journey bank card additionally could do higher in your pockets. Listed here are choices you need to think about.
- When you like Hilton however need extra perks: The Hilton Honors American Specific Surpass® Card earns an improved 12 factors per greenback at Hilton lodges, supplies automated Gold standing and you’ll 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 charge (see charges and costs). For extra data, learn our full evaluate of the Amex Hilton Surpass card.
- If you’d like versatile rewards with no annual charge: The Amex EveryDay® Credit score Card earns 2 American Specific 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 should use these factors with Hilton but in addition use them with greater than a dozen airline and lodge firms. You will not get any advantages with Hilton however may have choices together with your factors whereas nonetheless not paying an annual charge (see charges and costs). For extra data, learn our full evaluate of the Amex EveryDay card.
- If you’d like a lodge card with out an annual charge, no matter model: The Marriott Bonvoy Daring Credit score Card is an choice if you’d like a lodge bank card with out an annual charge 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 can assist you attain greater standing ranges with Marriott) plus different journey and buying protections. For extra data, learn our full evaluate of the Marriott Bonvoy Daring card.
The knowledge 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 offered by the cardboard issuer.
For extra choices, see our record of the very best lodge bank cards and greatest American Specific playing cards.
Associated: One of the best no-annual-fee bank cards
Is the Hilton Honors American Specific Card value it?
You may assume the Amex Hilton card is value it by default because it has no annual charge. It relies on what you are searching for, although. If entry-level elite standing, a superb welcome bonus and truthful incomes classes are adequate, you may like this card. When you’re searching for versatile rewards or extra Hilton perks, this card lacks these.
Backside line
The Hilton Honors American Specific Card is an efficient starter card for these trying to maximize the advantages of Hilton’s loyalty program with out paying an annual charge — particularly with the elevated welcome bonus. It will not be the suitable card for everybody, although it might be the suitable 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 costs of the Hilton Honors Amex Card, click on right here.
For charges and costs of the Hilton Honors Amex Surpass Card, click on right here.
