American Express
Hilton Honors American Express Card
Estimated value every year on typical spending
$156/ year
Every year, after the annual fee. Year one adds a $350 welcome bonus: $506
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Hilton Honors American Express Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending. The welcome bonus adds roughly $350 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- None
- Top perk
- Complimentary Hilton Honors™ Silver Status
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 7X Hilton Honors Bonus Points on eligible Hilton purchases
- 5X Points at U.S. restaurants, supermarkets, and gas stations
Sign-up bonus
70,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- 19.74% to 28.74% variable
- $1200/mo on everyday spending earns about $72/year (0.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Hilton Honors American Express Card: questions people ask
Is the Hilton Honors American Express Card worth it?
With no annual fee, the Hilton Honors American Express Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending. The welcome bonus adds roughly $350 in the first year.
What is the Hilton Honors American Express Card annual fee?
The Hilton Honors American Express Card has no annual fee ($0).
What is the Hilton Honors American Express Card welcome bonus?
Earn 70,000 Hilton Honors Bonus Points + A Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. We value it at about $350. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Hilton Honors American Express Card earn?
7X Hilton Honors Bonus Points on eligible Hilton purchases. 5X Points at U.S. restaurants, supermarkets, and gas stations.
What credit score do you need for the Hilton Honors American Express Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Hilton Honors American Express Card charge foreign transaction fees?
No. The Hilton Honors American Express Card has no foreign transaction fee.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.