Hilton Honors American Express Card
No fee
American Express
Hilton Honors American Express Card
4.2
(1,234 reviews)travelrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The best no-annual-fee hotel card for casual Hilton guests. Earn 7x points at Hilton properties and 5x on restaurants, supermarkets, and gas stations. Automatic Silver status gives you perks like 5th-night-free on reward stays. Points are worth ~0.5¢ each.
Annual Fee
No annual fee
Purchase APR
22.49% – 30.49%
Rewards
3x base rate
Sign-Up Bonus
$400 value
Credit Score
Good (670-749)
Foreign Txn Fee
None
Who Should Get This Card
The Hilton Honors American Express Card is best suited for established credit users who occasional hilton guests who want no-fee hotel rewards. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- Strong everyday earning
- Hilton Silver status
- Occasional Hilton guests who want no-fee hotel rewards
Consider another card if you…
- Hilton points worth ~0.5¢
- No free night certificate
- No lounge access
Rewards Breakdown
7x Hilton, 5x restaurants/supermarkets/gas, 3x everything else
| Category | Rate |
|---|---|
| Hilton Purchases | 7x |
| Restaurants | 5x |
| Supermarkets | 5x |
| Gas Stations | 5x |
| Everything else | 3x |
Rewards Distribution
7x
top rate
Hilton Purchases7x28%
Restaurants5x20%
Supermarkets5x20%
Gas Stations5x20%
Everything else3x12%
Sign-Up Bonus
80,000 Hilton Honors points after spending $2,000 in 6 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 22.49% – 30.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
Strong everyday earning
Hilton Silver status
No foreign transaction fees
Hilton points worth ~0.5¢
No free night certificate
No lounge access
The Bottom Line
The Good: The Hilton Honors American Express Card stands out for its no annual fee. The welcome bonus worth $400 adds significant first-year value. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Hilton points worth ~0.5¢.
Our Verdict: The Hilton Honors American Express Card scores 7/10 — a solid option for occasional hilton guests who want no-fee hotel rewards. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Hilton Honors American Express Card?▾
The Hilton Honors American Express Card has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the Hilton Honors American Express Card?▾
The Hilton Honors American Express Card currently offers a sign-up bonus worth approximately $400. 80,000 Hilton Honors points after spending $2,000 in 6 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the Hilton Honors American Express Card?▾
The Hilton Honors American Express Card earns 3x points on all purchases, and up to 7x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Hilton Honors American Express Card?▾
The Hilton Honors American Express Card is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Hilton Honors American Express Card charge a foreign transaction fee?▾
No — the Hilton Honors American Express Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Hilton Honors American Express Card?▾
The Hilton Honors American Express Card has a variable purchase APR of 22.49% – 30.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Hilton Honors American Express Card best for?▾
The Hilton Honors American Express Card is best for Occasional Hilton guests who want no-fee hotel rewards. A key advantage: no annual fee.
Customer Reviews
4.2
1,234 reviews
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