Hilton Honors American Express Card review: A huge welcome bonus offer and decent benefits, without an annual charge thumbnail

American Express Hilton Honors American Express CardSummary List PlacementTable of Contents: Masthead Sticky
Evaluation: Is the Hilton Honors Amex the best card for you?
American Express concerns 4 co-branded Hilton charge card, however only one– the Hilton Formality American Express Card– has no annual fee (See Rates). Generally, no-annual-fee credit cards come with a modest welcome perk and couple of perks, however that’s not the case here.
For a restricted time, the Hilton Honors American Express Card is offering 80,000 points after you invest a minimum of $1,000 in your first 3 months of account opening, plus a $100 statement credit after your first purchase in the very first three months. Because there’s no annual cost, the statement credit is pure revenue, and the minimum costs requirement is relatively easy to achieve
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You can also make reward points in everyday spending categories, whether you’re traveling or staying near to home. Along with 7 points per dollar on qualified Hilton purchases, Hilton Formality American Express Cardholders make 5 points per dollar invested in qualified purchases at US dining establishments, US grocery stores, and US gasoline station, and 3 points per dollar invested in all other qualified purchases. That’s not as profitable as the earning rates on the other Hilton cards, but the categories work and can assist improve your Hilton points balance quickly.
You’ll also get automated Hilton Formality Silver status, which is the brand’s least expensive elite tier. It doesn’t use a lots of benefits, but it does open one rewarding perk. Any Hilton elite status member (consisting of Silver) receives the 5th night free on award stays of five nights or more, so if you redeem points for longer stays, this can amount to considerable savings.
Requirement award nights at Hilton hotels begin at 5,000 points and generally peak at 95,000 points for the most elegant resorts– so depending on where you redeem your benefits, the welcome bonus from the Hilton Honors American Express Card might be worth several nights at economical brand names, or fewer nights at high end areas.

Bottom line: If you’re an infrequent tourist and like earning Hilton points however do not want to pay a yearly fee, the Hilton Formality American Express Card is definitely worth considering. However, if you remain at Hilton hotels even a couple of times a year, be sure to compare the benefits you’ll get from the other Hilton cards. For instance, the Hilton Honors American Express Surpass ® Card and The Hilton Honors American Express Company Card likewise have elevated welcome benefits and come with Hilton Gold status, which gets you free breakfast and much better benefits.

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Comparison: Hilton Formality American Express Card vs other Amex Hilton cards

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Hilton Formality American Express Card.
Hilton Honors American Express Surpass ® Card.
Hilton Formality American Express Aspire Card.

Yearly fee.
Item Card 5e835 fb192 e1915499733755
$95 Hilton Formality American Express Surpass ® Card – Rates & Costs.
$450 Item Card 6012 cd7f88948700119 fd911

Rewards rate.

7 points per dollar spent on eligible purchases at Hilton hotels.
5 points per dollar spent at qualified U.S. dining establishments, U.S. supermarkets, and U.S. gas stations.
3 points per dollar on all other eligible purchases.

12 points per dollar invested in qualified purchases at Hilton hotels.
6 points per dollar invested at eligible U.S. dining establishments, U.S. grocery stores, and U.S. gasoline station.
3 points per dollar on all other qualified purchases
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12 points per dollar invested in qualified purchases at Hilton hotels.
7 points per eligible dollar spent on flights reserved directly with airline companies or Amex Travel, on car rentals booked directly with select cars and truck rental business, and at qualified U.S. dining establishments.
3 points per dollar on all other eligible purchases.

Invite benefit.
80,000 points after you spend at least $1,000 in your very first 3 months of account opening, plus a $100 statement credit after your first purchase in the very first 3 months.
130,000 points after you invest at least $2,000 in your first 3 months of account opening, plus a $150 statement credit after your very first purchase in the very first three months.
150,000 points after you spend at least $4,000 in your first 3 months of account opening.

Travel benefits.

Hilton Silver elite status.
Upgrade to Gold status after you invest $20,000 on qualified purchases in a fiscal year
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Hilton Gold elite status.
Update to Diamond status after you invest $40,000 on eligible purchases in a fiscal year.
Free weekend night certificate after you invest $15,000 on qualified purchases in a fiscal year.
Concern Pass Select airport lounge subscription with 10 complimentary gos to each year

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Hilton Gold elite status.
Upgrade to Diamond status after you invest $40,000 on qualified purchases in a fiscal year.
Free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year.
Another complimentary weekend night certificate after you invest an overall of $60,000 on eligible purchases in a fiscal year.
Top priority Pass Select airport lounge membership with 10 free gos to annually

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Foreign transaction charge.
No (See Rates).
No Hilton Formality American Express Exceed ® Card – Rates & Charges.
No Item Card 6012 cd7f88948700119 fd911

Discover more.
Guide to the very best Hilton credit cards.
Hilton Formality American Express Go beyond Card evaluation.
Hilton Formality American Express Aspire Card review.

Contrast: Hilton Honors American Express Card vs other no-annual-fee hotel credit cards

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Hilton Honors American Express Card.
Marriott Bonvoy Vibrant ™ Credit Card.
IHG ® Rewards Club Tourist Charge Card.

Annual charge.
Product Card 5e835 fb192 e1915499733755
Product Card 5e742959 c48540436 f089 e02
Product Card 5e742 d0ec485407 a95551642

Benefits rate.

7 points per dollar invested in eligible purchases at Hilton hotels.
5 points per dollar spent at US dining establishments, US supermarkets, and US gasoline station.
3 points per dollar on all other qualified purchases.

3 points per dollar on qualified purchases at Marriott hotels.
2 points per dollar on eligible travel purchases.
1 point per dollar on all other eligible purchases.

5 points per dollar on eligible purchases at IHG hotels.
2 points per dollar on eligible purchases at dining establishments, grocery stores, and gasoline station.
1 point per dollar on all other qualified purchases.

Invite bonus.
80,000 points after you invest a minimum of $1,000 in your first 3 months of account opening, plus a $100 statement credit after your first purchase in the very first three months.
30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
Product Card 5e742 d0ec485407 a95551642

Travel advantages.

Hilton Silver elite status.
Upgrade to Gold status after you invest $20,000 on qualified purchases in a fiscal year.

15 elite night credits annually (enough for Marriott Bonvoy Silver elite status)

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Gold elite status after you invest $10,000 on eligible purchases in a fiscal year.
Fourth benefit night free on standard award stays of 4 or more nights.
Save 20%on points purchases

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Foreign transaction fee.
No.
No.
No.

Discover more.
Guide to the best Hilton credit cards.
Guide to the very best Marriott credit cards.
Guide to IHG credit card offers.

How to use points from the Hilton Formality American Express Card.
Usage Hilton points for hotel stays.
The Hilton Honors program consists of over 6,300 hotels in 118 countries, so it’s easy to redeem your points almost anywhere you go. You can earn and use Hilton points at the following brand names:.

Conrad Hotels & Resorts.
Canopy by Hilton.
Curio Collection by Hilton.
DoubleTree by Hilton.
Embassy Suites by Hilton.
Hampton Inn by Hilton.
Hilton Hotels.
Hilton Garden Inn.
Hilton Grand Vacations.
Home2 Suites by Hilton (make 5x points).
Homewood Suites by Hilton.
LXR.
Motto by Hilton.
Signia by Hilton.
Tapestry Collection by Hilton.
Pace by Hilton.
Tru by Hilton (make 5x points).
Waldorf Astoria Hotels and Resorts.

You’ll generally get the best worth from Hilton points by redeeming them for award nights, either for an entirely complimentary stay or by integrating points and cash. Hilton doesn’t have a standard award chart; instead, the rate of an award night at a particular hotel differs based on demand, money rate, and season.
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Standard award nights start at 5,000 Hilton points and go all the method up to 95,000 points, but premium awards (for better rooms, suites, or high-demand dates) can cost far more. Keep in mind the lowest-priced Hilton hotels are generally budget-friendly brands (like Tru by Hilton or Hampton Inn) located off the beaten course; high end hotels in huge cities or luxury resorts will cost more points.
For instance, you can book an overwater vacation home at the Conrad Maldives Rangali Island for 95,000 points a night rather of paying over $1,300 with cash. Or, you can stretch your points at hotels like the Hampton Inn Niagara Falls, which starts at just 16,000 points per night. Always be sure to compare the money rate to the award rate, since sometimes the paid rate is so low it’s much better to save your points for a higher-value redemption.
The Silver elite status you automatically get with the Hilton Formality American Express Card qualifies you for the 5th night complimentary on award stays of five nights or more. This is another terrific way to stretch your points if you wish to make them last.
Transfer Hilton indicate airline companies and Amtrak.
Hilton Honors partners with over 30 airlines, plus Amtrak, and you can move points at differing ratios depending upon the program. This typically will not result in the very best value, however if you will not be utilizing points for stays it’s an option for other kinds of travel.
Redeem Hilton points for experiences, occasions, merchandise, and more.
Other options for redeeming Hilton points also will not get you the greatest value, but they could be useful in certain circumstances:.

Hilton experiences– Use points for special events, dining, and trips.
Usage Hilton points for event credits– Starting at 25,000 points for a $50 credit.
Redeem Hilton points at Amazon– A poor worth; you’ll get just 0.2 cents per point.
Donate Hilton indicate charity– For every 10,000 points you donate, Hilton will send out $25 to a charity of your choice.
Usage Hilton points toward Lyft flights– Again, not the best value; you’ll generally navigate 0.2 cents per point.
Swimming pool or transfer Hilton points to a friend– Send up to 2 million points annually to good friends or household with no cost, or pool your points with as much as 11 individuals to conserve for a redemption

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Hilton points normally expire if there’s no activity in your account for 12 months, but due to the pandemic, the chain has stopped briefly points expiration until December 31,2021 Spending on a Hilton charge card like the Hilton Honors American Express Card is an easy way to keep your points from ending up until you’re prepared to take a trip.
Hilton Formality American Express Card advantages and features.
The Hilton Formality American Express Card includes a handful of beneficial benefits that can enhance your travel experience and save you money.
Automatic Hilton Silver elite status.
Cardholders receive Hilton Silver status as long as their card is open and in great standing. As Hilton’s least expensive elite tier, Silver status isn’t exceptional, however it does come with a couple of useful perks:.

Fifth night totally free on award stays of five nights or more.
20%points benefit on paid stays.
Free bottled water.
Elite rollover nights.

If you invest $20,000 or more on eligible purchases in a calendar year with your Hilton Formality American Express Card, you’ll get updated to Hilton Gold elite status through the end of the following calendar year. Hilton Gold status is far more valuable and consists of advantages like totally free breakfast at Hilton hotels, 80%points bonus offer on paid stays, space upgrades when available, and milestone perks.
No foreign transaction costs
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Numerous credit cards without any annual cost tack on 3%or more in foreign transaction charges, which can actually sting if you’re on a worldwide journey. You will not have to fret about utilizing your Hilton Formality American Express Card abroad, since it doesn’t add these extra charges.
Foreign deal costs can also use if you make an online buy from a business outside the United States, so even if you’re not traveling, this perk might save you cash.
Car rental loss and damage insurance.
When you pay for your automobile rental with the Hilton Honors American Express Card and decrease the crash damage waiver at the rental counter, you can get secondary coverage for damage to or theft of the lorry. Some countries and lorry types are omitted, so be sure to read the terms prior to you lease and note that liability insurance coverage isn’t included.

Quick tip: Secondary insurance will just cover quantities left over after your main (personal) vehicle insurance coverage pays. Some credit cards, like the Chase Sapphire Preferred ® Card, provide primary cars and truck leasing insurance coverage, which does not require you to file a claim with your personal policy to get repaid.

Prolonged service warranty.
American Express cards are popular for using outstanding purchase securities, and the Hilton Honors American Express Card is no exception.
When you utilize the card to pay for an eligible purchase, Amex will extend the producer’s service warranty approximately one extra year on original manufacturer’s service warranties of 5 years or less. You’re covered for up to $10,000 per eligible purchase and as much as $50,000 per account, per fiscal year.
Purchase protection.
If you pay for an eligible product with your Hilton Formality American Express Card and it’s taken or inadvertently damaged within 90 days of purchase, you could be covered for approximately $1,000 per item and approximately $50,000 per account, per calendar year..
Worldwide Assist Hotline
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Hilton Honors American Express Card members can access Amex’s Worldwide Assist Hotline when they’re taking a trip 100 or more miles from home. This service can provide assist with problems like lost passport replacement, translation services, missing travel luggage support, and emergency situation legal and medical recommendations, however you’ll be responsible for any third-party expenses sustained.
Free two-day shipping with Shoprunner.
ShopRunner is a service that offers two-day shipping and totally free returns with hundreds of participating online stores– think of it like Amazon Prime, but for other retailers. All United States Amex personal and small-business cards, consisting of the Hilton Honors American Express Card, are eligible for a totally free subscription which usually costs $79 each year. To register, go to ShopRunner’s American Express site and enter your card information.
Travel accident insurance.
When you pay your fare on a covered trip with the Hilton Honors American Express Card, you could be eligible for up to $100,000 in protection for accidental injury or death. See Amex’s terms for specific constraints and details.
American Express Hilton Formality American Express Card.
Hilton Honors American Express Card charges and costs.
The Hilton Honors American Express Card has no annual cost, so it’s totally free to keep without sustaining a yearly expense. Because your credit rating is partly determined by the typical age of your accounts, keeping a no-annual-fee card open for the long term might possibly increase your credit score.
Just like the majority of other cards, there are fees for late payments (See Rates), returned payments (See Rates), and cash loan (See Rates)..
Jasmin Baron is an associate editor at Personal Financing Expert, where she assists readers make the most of benefits and find the best credit cards to fit their lifestyles.
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