Hilton Honors American Express Card
A no-annual-fee miles card from American Express National Bank.
American Express National Bank · AMEX
- Annual fee
- $0
- Purchase APR
- 19.49–28.49%variable
- Signup bonus
- $100
- Foreign transaction
- None
Earn Rules
| Dining | 5x Hilton |
| Grocery | 5x Hilton |
| Gas | 5x Hilton |
| All Other | 3x Hilton |
Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| directly with hotels and resorts in the Hilton portfolio | 7x Hilton |
Signup Bonus
Earn 100,000 Hilton Honors Bonus Points And A $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership.
Value: $100 · Spend $2,000 in 6 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.
- People whose stays are mostly with American Express National Bank. The 7x is where this card beats a general-purpose one, and it only applies to that spending.
Wondering if this card pays off for your situation? Is the Hilton Honors American Express Card worth it? →
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