Review: Hilton Credit Cards

hilton-credit-cardThere are 4 different Hilton credit cards on the market, from 2 different issuers (Citi & American Express), which may be a bit confusing, so below we offer a short summary / review of each card, including rewards offered and annual fees you’ll have to pay:

No Annual Fee Cards:

  • The Citi Hilton HHonors Visa Signature Card has no annual fee. It offers 6 points per dollar on purchases at Hilton hotels and properties, 3 points for every dollar spent on gas, groceries and drug store purchases, and 2 points per dollar on everything else. Also, if you make at least $1000 in purchases within the first 4 months of having the card, you’ll get an extra 40,000 HHonors points. You also get HHonors Silver Status, which gives you a 15% bonus on HHonors Base Points earned and complimentary access to the health club or fitness center during your Hilton stays.
  • The Hilton HHonors Card from American Express is the other no-annual-fee Hilton credit card option. It offers 7 points per dollar on Hilton purchases, 5 points for purchases at restaurants, supermarkets and gas stations, and 3 points for all other card purchases. Also, if you make at least $750 in purchases within the first 3 months of having the card, you’ll get an extra 50,000 HHonors points. You also get HHonors Silver Status, which gives you a 15% bonus on HHonors Base Points earned and complimentary access to the health club or fitness center during your Hilton stays. Of the 2 no annual fee cards, this one is more generous — the only reason not to choose this over the Citi card above would be if you don’t want an American Express card.


Cards with an Annual Fee:

  • The Citi Hilton HHonors Reserve Card has an annual fee of $95 but offers greater perks than the no-annual-fee Hilton card. It offers 10 points per dollar on purchases at Hilton hotels and properties, 5 points for every dollar spent on airline tickets and car rentals, and 3 points per dollar on everything else. If you spend at least $2500 with the card in the first 4 months you have it, you’ll get a bonus of 2 certificates for free stays at Hilton properties on weekend nights. You also get Hilton HHonors Gold Status and can earn a free weekend night stay each year if you spend $10,000 with the card overall.
  • The Hilton HHonors Surpass Card from American Express has a $75 annual fee and a different reward formula than the Reserve Card above. It offers 12 points per dollar on purchases at Hilton properties, 6 points per dollar at restaurants, supermarkets and gas stations, and 3 points per dollar on everything else. In terms of bonuses, you’ll get 75,000 bonus points if you spend at least $3,000 within the first three months of having the card. You also get HHonors Gold status for as long as you have the card.