Citi Hilton HHonors Reserve: Travelers, Techies and Luxury-Lovers Rejoice
The Citi® Hilton HHonorsTM Reserve Card has it all: rewards, perks, travel technology and guaranteed luxury. It starts of with a hard-hitting signup bonus: Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*, with a bonus weekend night every year. This can be worth several hundred dollars per night if you redeem for a Tier 7 hotel – that’s one of the best sign-up bonuses in the business, and more than enough to offset the $95 annual fee. And we haven’t even gotten to the ongoing rewards yet. If you’re a Hilton guest, sit up, take note and act soon because the special offer won’t be around forever!
|Citi® Hilton HHonorsTM Reserve Card|
|Annual Fee||Signup Bonus||APR , Variable*||APR Promotions|
|$95||Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after you make $2,500 in purchases within 4 months of account opening*||15.24%* (Variable)||Purchase: None
International travel and elite status made easy
Designed to compete with the Starwood Preferred Guest® Credit Card from American Express and Amex Hilton HHonors Surpass, the Citi Hilton Reserve puts its best foot forward. Let’s start with rewards:
- 10 HHonors points per $1 spent at Hilton hotels
- 5 points per $1 spent on airline and car rentals
- 3 points per $1 spent elsewhere
Now, we value HHonors points at about 0.5 cents apiece, so your effective rewards rate is 5%, 2.5% and 1.5% for the above categories. But you receive a host of perks beyond that:
- EMV chip-and-signature compatibility, making the card easier to use abroad;
- No foreign transaction fee, a claim that the Amex Hilton cards can’t make; and
- Complimentary Gold elite status for the lifetime of the card, and Diamond status if you spend more than $40k a year.
As mentioned above, you do receive an anniversary gift of a free weekend night in a standard room with double occupancy. But there is a caveat: you must spend $10,000 a year to get the bonus. Remember also that you must spend $2,500 in the first 4 months to get the signup bonus of 2 free nights.
How does the Citi Hilton card compare with the best-in-class American Express hotel cards? It offers a better signup bonus and elite status than the Amex Hilton HHonors Surpass; it also has no foreign transaction fee – key for travelers. So yeah – the Reserve takes the gold.