Hilton Honors American Express® Card

on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Pros & Cons
Pros
- Welcome Bonus: Up to 70,000 points
- Up to 6x at Hilton hotels
- Purchase protection included
Cons
- High annual fee ($150/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The Hilton Honors American Express® Card helps turn your everyday spending into Hilton stays. With a $150 annual fee, it brings together complimentary Hilton Honors Gold status, a welcome offer that includes a free night reward, and an annual points bonus that rewards your spending.
Gold status includes complimentary continental breakfast at participating properties outside the United States when you select it as your MyWay benefit. That means savings each morning of your stay. Depending on the brand and region, including in the United States, a daily food and beverage credit replaces complimentary breakfast.
Start planning your next getaway with 60,000 Hilton Honors points and a free night reward after spending $3,000 in your first 3 months. Earn another 10,000 points after spending $500 in your 13th month, for a total of up to 70,000 points and a free night reward. This offer ends January 11, 2027.
The benefits continue beyond the welcome offer. Spend $12,000 in a calendar year and earn 50,000 bonus Hilton Honors points, on top of the points earned on your purchases. That spending threshold works out to an average of $1,000 a month toward your next hotel stay.
You also earn:
- 6 points per dollar on eligible purchases at participating Hilton properties, in addition to the points you earn as a Hilton Honors member;
- 4 points per dollar at eligible gas stations, grocery stores, and restaurants in Canada;
- 2 points per dollar on other purchases.
Looking for more hotel benefits? You can reach Diamond status after $40,000 in net purchases each year. Supplementary Cards have no annual fee.
The Card also includes coverage against theft and accidental damage for certain purchases for 90 days, plus an extension of the manufacturer’s warranty by up to one year, subject to applicable terms and exclusions.
Rewards
All Spending
2x
Hilton Honors pts per dollar
Hilton hotels
6x
Hilton Honors pts per dollar
Gas
4x
Hilton Honors pts per dollar
Groceries
4x
Hilton Honors pts per dollar
Restaurants
4x
Hilton Honors pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
88,800
Hilton Honors/yr
Estimated Value
$444
After Fees
+$294
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$594
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Hilton Honors after $500 in purchases in month 13 (year 2)
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
Additional Benefits
- Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
- Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
- No annual fee on Additional Cards
Travel Insurance
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Hotel Burglary
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
Auto Rental (primary)
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$150
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Cash advance rate21.99%
Terms & Conditions
Card Features
- Earn up to 70,000 Hilton HonorsTM Points and a Free Night Reward
- New Hilton Honors American Express® Cardmembers, can earn 60,000 Points and a Free Night Reward after spending $3,000 on your Card in the first 3 months
- Plus, earn an additional 10,000 Points after you spend $500 on your Card in month 13
- Offer ends January 11, 2027
- Apply with confidence! See if you’ll be approved before you apply – with no impact to your credit score*
- *Instant decisions are only available for Consumer (also known as Personal) Card applications
- Earn 6 Points for every $1 in eligible Card purchases at participating Hilton brands, plus the Points you already earn as a Hilton Honors Member
- Earn 4 Points for every $1 in eligible Card purchases at gas stations, grocery stores, and restaurants in Canada
- Earn 2 Points for every $1 in all other Card purchases
- Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
- Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
- No annual fee on Additional Cards
Legal
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Points Navigator may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.

