Hilton Honors American Express Card

Earn 7X points at Hilton hotels, 5X on restaurants, supermarkets, and gas stations. No annual fee and no foreign transaction fees.

Last checked on June 10, 2026. We may earn a commission when you click through.

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✓ Earn 7X points at Hilton hotels ✓ 5X points on restaurants, supermarkets, and gas stations ✓ No annual fee and no foreign transaction fees
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Hilton Honors American Express Card

Amex · travel

Our Verdict Recommended

The Hilton Honors American Express Card is a solid choice for frequent Hilton guests, offering generous rewards and no annual fee.

What it really costs

Annual fee No annual fee
APR Range 22.49% – 29.99%
Rewards7X Hilton purchases, 5X restaurants/groceries/gas, 3X all other purchases 7%
Minimum credit score 670

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Who it's for

This card is best for those who frequently stay at Hilton properties and want to earn bonus points on everyday purchases.

Watch out

Be mindful of the high variable APR if you plan to carry a balance.

The good and the not so good

  • Earn 7X points at Hilton hotels
  • 5X points on restaurants, supermarkets, and gas stations
  • No annual fee and no foreign transaction fees
  • Sign-up bonus of 80,000 points after spending $2,000
  • Good for travelers with a credit score of 670+
  • High APR of 22.49%-29.49% variable
  • Limited rewards options outside Hilton hotels
  • Requires good to excellent credit for approval
  • Points may expire if account is inactive

In-Depth Review

The Hilton Honors American Express Card caters well to travelers loyal to the Hilton brand, providing an impressive 7X points for stays at Hilton properties. This can significantly boost your points balance, especially if you travel often. Additionally, earning 5X points at restaurants, supermarkets, and gas stations makes this card versatile for daily spending. The lack of an annual fee is a notable advantage, allowing users to take full benefit of the rewards without a financial commitment. However, potential cardholders should be cautious of the high variable APR, which ranges from 22.49% to 29.49%. This could pose a challenge for those who might carry a balance month-to-month. Additionally, while the rewards structure is beneficial for Hilton patrons, those who do not frequently stay at Hilton hotels may find better value in cards with broader rewards categories. In comparison to other travel cards, the Hilton Honors American Express Card shines in its specific niche but lacks flexibility for non-Hilton related expenses. For individuals who prioritize hotel loyalty and travel often, this card is a worthy option. Yet, it's essential to keep an eye on your spending habits and credit status to ensure it aligns with your financial goals.

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