American Express · Personal
Hilton Honors
A no-annual-fee card earning Hilton Honors: 7× on Hotels (Portal), 3× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 100,000 ≈ $417 in travel (our estimate)*
- Top rate
- 7×Hotels (Portal)
- Point value
- 0.42¢ In travel · 0.42¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 100,000 points · spend $2,000 in eligible purchases on the Card in the first 6 months of Card Membership | $417 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $417 | $0 |
The bonus needs $2,000 in eligible purchases on the Card in the first 6 months of Card Membership.
Earning structure
5 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Hotels (Portal) | 7× | $2.92 | |
Dining US onlyNotesUS only | 5× | $2.08 | |
Gas Stations US onlyNotesUS only. | 5× | $2.08 | |
Groceries US onlyNotesU.S. only. | 5× | $2.08 | |
| All Other | 3× | $1.25 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- American Express
- Bank
- American Express
- Point system
- Hilton Honors
- Travel value (our estimate)*
- 0.42¢ per point
- Cash value (our estimate)*
- 0.42¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules4
- Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
- Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
- Amex Family
Amex will most likely disqualify you from receiving the welcome offer on lower-tier cards if you've previously held the higher-tier cards within the same card family. Note: The rule doesn't apply to business cards but if they apply it in the future, it'll be retroactive, and you won't be able to get lower card bonuses if you have a higher bonus card.
Benefits3 · 1 high value
- Instant Perks & Status High valueComplimentary Silver Status + 1 more instant perks & status benefit
- Earn Perks & Status Earn an upgrade to Gold Status
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Hilton Honors |  Hilton Honors Surpass |  Hilton Honors Aspire |  Amazon | |
|---|---|---|---|---|
| Annual fee | $0 | $150+$150 | $550+$550 | $0Same |
| Signup bonus | 100,000 pts | 130,000 pts | 175,000 pts | $50 |
| Top rate | 7×Hotels (Portal) | 12×Hotels (Portal) | 14×Hotels (Portal) | 3×4 categories |
| Travel value * | 0.42¢Hilton Honors | 0.42¢Hilton Honors | 0.42¢Hilton Honors | –Cash back |
| Why it’s here | This card | Same issuer and the same Hilton Honors points | Same issuer and the same Hilton Honors points | Also no annual fee |
Video and discussion
Nothing plays until you press play.
https://americanexpress.com/en-us/referral/hilton-honors?ref=JOHNCcRdI&xl=cp10o6
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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