Hilton Honors American Specific Card overview
The Hilton Honors American Specific Card is Hilton’s entry-level cobranded product. It provides bonus factors on Hilton stays, complimentary Silver elite standing and fundamental perks for no annual charge (see charges and costs). Nevertheless, different journey playing cards provide extra factors flexibility and greater perks. Card score*: ⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Honors program covers over 8,000 properties in additional than 140 nations, offering ample alternatives to earn and redeem factors.
Should you’re a newbie in search of a card with some Hilton perks, chances are you’ll need to have a look at the Hilton Honors American Specific Card.
It’s a nice possibility for vacationers seeking to get began with Hilton Honors because of beneficiant class bonuses and journey and buy protections (phrases apply).
We suggest that candidates typically have a superb credit score rating of 670 or increased to extend their probabilities of being accredited.
This is all the things it is advisable to determine if the cardboard is true on your pockets.
Hilton Honors Amex professionals and cons
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Hilton Honors Amex welcome provide
New Hilton Honors Amex cardmembers can earn 70,000 bonus factors and a free night time reward after spending $2,000 on purchases in your first six months of card membership. Supply ends April 29.
In keeping with TPG’s February 2025 valuations, Hilton factors are price 0.6 cents apiece, which implies this welcome provide is price $420 in factors, plus the worth of a free night time reward.
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You possibly can take into account this the all time provide on the common Hilton Amex card, although it is dependent upon the way you worth it. The bonus factors alone aren’t the best quantity we’ve got seen supplied on this card. Nevertheless, in case you place a excessive worth on the free night time reward, it might turn out to be the no-annual-fee card’s high welcome bonus.
Associated: Present provides on Hilton Amex playing cards
Hilton Honors Amex advantages
The Hilton Honors Amex options a number of notable perks past the welcome provide. On condition that this card would not have an annual charge, I am unable to fault it for being gentle on advantages.
This is an summary of what this card has to supply (enrollment is required for choose advantages; phrases apply):
- Elite standing: Cardmembers routinely obtain Hilton Honors Silver elite standing, which gives member reductions, a 20% factors bonus on paid stays, elite rollover nights, a fifth night time free on award stays and extra. You possibly can improve to Hilton Honors Gold standing by way of the tip of the following calendar 12 months in case you spend $20,000 on the cardboard in a calendar 12 months. It is price mentioning that different Hilton bank cards provide Gold standing routinely, that means spending $20,000 to get there is not a superb worth.
- Leisure: By way of the Amex Experiences program, you will get unique entry to ticket presales and cardmember-only occasions, in addition to Broadway exhibits, live performance excursions, sporting occasions and extra.
- 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.
- Buy safety*: Buy safety covers gadgets unintentionally 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.
- Automobile rental insurance coverage**: Whenever you use the cardboard to order and pay for a automotive rental and decline the rental firm’s insurance coverage, you are lined in opposition to injury and theft, as much as $50,000. This profit is secondary protection to your personal auto insurance coverage and would not embody legal responsibility.
*Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**Eligibility and profit stage varies by card. Not all automobile varieties or leases are lined, 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 way of American Specific Journey Associated Companies Firm, Inc.
Associated: Every little thing it is advisable to learn about American Specific buy safety
Incomes factors on the Hilton Honors Amex
With the Hilton Honors Amex, you may earn:
- 7 Hilton Honors factors per greenback spent on stays at Hilton resorts and resorts (together with paying on your room and on-site spending at eating places and spas)
- 5 factors per greenback spent at U.S. eating places (together with takeout and supply)
- 5 factors per greenback spent at U.S. fuel stations and U.S. supermarkets
- 3 factors per greenback spent on different eligible purchases
Given TPG’s February 2025 valuation of Hilton factors at 0.6 cents apiece, you may earn a 4.2% base return at Hilton properties. Nevertheless, with the bonus factors you may obtain with Silver elite standing, you may earn 12 factors per greenback spent on eligible Hilton purchases on high of the cardboard earnings. This bumps your return 19 factors per greenback — or a formidable 11.4% return in your spending.
As well as, you may obtain a 3% return on spending at U.S. grocery shops, U.S. fuel stations and U.S. eating places (together with takeout and supply) and a 1.8% return on all different eligible purchases.
Should you’re in search of increased incomes alternatives overlaying a wider swath of journey purchases, together with flights and rental automobiles, you will not get that with this card.
Associated: Which bank card do you have to use for Hilton stays?
Redeeming factors on the Hilton Honors Amex
You may get the perfect worth on your Hilton factors for lodge and resort stays, even with the chain’s lack of revealed 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.
The Factors Explorer device can present you what different company have paid just lately, supplying you with an concept of how a lot a given award ticket may cost.
You may as well switch your Hilton Honors factors to over 25 airline loyalty packages worldwide. I do not suggest this technique until it is advisable to switch Honors factors to high off an airline account for a selected award. The switch ratio is generally horrible, costing you 1000’s of factors for a small return of airline miles.
My recommendation? Follow lodge room redemptions to get the perfect worth on your rewards.
You may do even higher if you redeem factors for a keep of 5 nights or longer. That is since you get a fifth night time free on stays utilizing factors, because of your Hilton Silver standing.
TPG director of journey content material Eric Rosen has utilized the fifth-night-free profit to maximise the worth of his factors for a keep on the Waldorf Astoria Los Cabos Pedregal. Because of this function, he was in a position to save 120,000 Hilton factors on his keep.
Associated: Hilton provides one other 100-plus resorts because of Small Luxurious Resorts of the World partnership
Which playing cards compete with the Hilton Honors Amex?
The Hilton Honors Amex card has pure opponents with “Hilton” of their names, however a normal journey rewards bank card can also do higher in your pockets. Listed here are a number of of the choices it’s best to take into account:
For extra choices, see our listing of the perfect lodge bank cards and finest American Specific playing cards.
Associated: The most effective no-annual-fee bank cards
Is the Hilton Honors Amex price it?
You may assume the Amex Hilton Honors card is price it by default because it has no annual charge, but it surely is dependent upon what you are in search of. I imagine you may like this card if entry-level elite standing and honest incomes classes are adequate for you. Nevertheless, in case you’re in search of versatile rewards or extra Hilton perks, I like to recommend going for a mid-tier Hilton card or normal journey rewards card.
Backside line
The Hilton Honors American Specific Card is an effective starter card for these seeking to maximize the advantages of Hilton’s loyalty program with out paying an annual charge. It is probably not the best card for everybody, although it could be the proper card for you in case you stick with Hilton a few occasions a 12 months and need to earn Hilton factors.
Apply right here: Hilton Honors American Specific Card
Associated: How to decide on the perfect bank card for you
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.
