Verdict · Updated April 2026
Hilton Honors American Express Card for Dining & Restaurants
The Hilton Honors American Express Card is a top choice for dining & restaurants — ranked #6 of 40 eligible cards on our use-case scoring model. If dining & restaurants is your primary need, this card is a strong primary pick.
Rank #6 of 4087th percentileStrong primary pick
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Hilton Honors American Express Card
American Express · No annual fee
The 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.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$950
Annual fee
$0
Net value
$950
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the Hilton Honors American Express Card wins for dining & restaurants
- 5x on dining — among the highest rates available
Where it falls short
- No intro 0% APR and a high regular APR (30.49%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the Hilton Honors American Express Card on our dining & restaurants scoring model.
How the Hilton Honors American Express Card performs for other use cases
Frequently asked questions
Is the Hilton Honors American Express Card a good card for dining & restaurants?⌄
The Hilton Honors American Express Card is a top choice for dining & restaurants — ranked #6 of 40 eligible cards on our use-case scoring model. If dining & restaurants is your primary need, this card is a strong primary pick.
How much can I earn with the Hilton Honors American Express Card on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $950 in rewards — net $950 after the $0 annual fee.
What are better alternatives to the Hilton Honors American Express Card for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the Hilton Honors American Express Card?⌄
The Hilton Honors American Express Card typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Hilton Honors American Express Card's annual fee worth it for this use case?⌄
The Hilton Honors American Express Card has no annual fee — there's no breakeven to clear, so any rewards earned on dining & restaurants spending are pure profit.
Want the full card review?
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