On a similar note...
On a similar note...
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With the diverse lineup of Hilton Honors credit cards on the market, there's one for every type of Hilton guest. Based on how often you stay at hotels in the Hilton portfolio and the value you place on certain perks, you can choose between paying a high annual fee to get extra benefits or avoiding an annual fee altogether.
If you’re after a no-annual-fee card, the Hilton Honors American Express Card fits the bill. As you would expect, with its $0 annual fee come downsized perks in comparison to its costly counterparts. Terms apply.
Let’s dive into the details to find out if the Hilton Honors American Express Card is worth getting or if it’s better to get an annual-fee Hilton credit card to double down on valuable perks.
» Learn more: Hilton Honors: The complete guide
A nice welcome offer
What’s not to like about a no-annual-fee card that offers a sizable welcome offer?
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Terms Apply. Considering that Hilton Honors points are worth 0.4 cent each, the welcome offer is valued at $320.
Although the co-branded Hilton Honors credit cards that have an annual fee typically come with 125,000 to 150,000 bonus points, the welcome offer on the humble Hilton Honors American Express Card is incredible considering you won’t have to fork over a fee. Terms apply.
What to consider: Does it make sense to upgrade to an annual fee card to earn a larger welcome bonus?
» Learn more: NerdWallet’s best no-annual-fee credit cards
Perks at no cost
Like most no-annual-fee credit cards, you won’t find any earth-shattering benefits on the Hilton Honors American Express Card. But it offers a few extra perks for those who don’t hold any level of Hilton Honors status.
The card comes with complimentary Hilton Honors Silver status, which gets you:
Fifth night free on reward stays.
20% bonus points on stays.
Two free bottles of water.
Elite rollover nights.
What to consider: If you are a Hilton loyalist it may be worth paying a higher annual fee to enjoy the A-list perks that come with a premium co-branded Hilton credit card such as the Hilton Honors American Express Aspire Card (annual fee of $450). Terms apply.
Earn solid rewards
The Hilton Honors American Express Card’s earning rates break down like this:
7 Hilton Honors bonus points per $1 spent on eligible purchases at hotels and resorts within the Hilton portfolio.
5 points per $1 spent on purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
3 points per $1 spent on all other eligible purchases.
With Hilton points valued at 0.4 cent each, you’ll be earning the equivalent of 2 cents per $1 spent at restaurants, supermarkets and gas stations. With the additional 20% bonus points earned with Silver status, you’ll earn 19 points (worth about 7.6 cents) per $1 when you use your card to pay for Hilton stays.
What to consider: If you are not a Hilton loyalist but stay at the occasional property in Hilton’s portfolio, this card may be the perfect choice to earn extra points on Hilton stays.
Is it worth getting?
Earning bonus points from a welcome offer on a no-fee credit card is never a bad deal. However, there are some considerations for determining whether this Hilton Honors American Express Card is worth getting, including the fact that this card will take up a 5/24 slot — meaning a chance to earn welcome bonuses on Chase branded credit cards — or if you value the additional benefits that come with a premium co-branded Hilton Honors credit card.
The bottom line is that this card is worth getting if you’re not a Hilton Honors loyalist but periodically stay at Hilton properties. With this card, you’ll be ready to rack up extra points earnings when you stay with Hilton without paying a fee every year. If you already stay at Hiltons regularly, or already have Silver status, consider one of their fee-based cards for elevated perks.
How to Maximize Your Rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:
Airline miles and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Propel American Express® card
Flat-rate rewards with no annual fee: Bank of America® Travel Rewards credit card
Premium travel rewards: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card