Hilton Honors American Express Card

American ExpressIssued by American Express

7X points at Hilton Hotels and Resorts; 5X at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 3X on all other eligible purchases

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ANNUAL FEE

No annual fee for this card.

PURCHASE APR

19.49% – 28.49%

SIGN-UP BONUS

70000

Limited Time Offer — Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after spending $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 4/15/2026.

TOP POINTS

7X points per $1

Earn 7X points on eligible purchases made directly with hotels and resorts in the Hilton portfolio.

Key Benefits

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after spending $2,000 in the first 6 months of Card Membership (offer ends 4/15/2026)
7X points on eligible purchases made directly with hotels and resorts in the Hilton portfolio
5X points at U.S. restaurants including takeout and delivery
5X points at U.S. supermarkets
5X points at U.S. gas stations
3X points on other eligible purchases
Complimentary Hilton Honors Silver Status with 20% Bonus on all Base Points
No foreign transaction fees

Important Limitations

Those who rarely stay at Hilton Hotels and Resorts
Those seeking premium hotel benefits like lounge access or annual hotel credits
Those who prefer cash back over hotel points

Rewards Structure

Purchase Category	Rate	Annual Limits	Details
Hilton Portfolio Hotels and Resorts	7X points per $1	Unlimited (no annual cap)	• Hilton Hotels and Resorts
U.S. Restaurants Including Takeout and Delivery	5X points per $1	Unlimited (no annual cap)	Earn 5X points at U.S. restaurants, including takeout and delivery.
U.S. Supermarkets	5X points per $1	Unlimited (no annual cap)	Earn 5X points at U.S. supermarkets.
U.S. Gas Stations	5X points per $1	Unlimited (no annual cap)	Earn 5X points at U.S. gas stations.
All	3X points per $1	Unlimited (no annual cap)	Earn 3X points for each dollar spent on other eligible purchases.

Fees & APR

ANNUAL FEE

REGULAR PURCHASE APR

19.49% – 28.49%

FOREIGN TRANSACTION FEE

Card Protection & Benefits

Hilton Honors Silver Status

✓Enjoy even more perks as a Hilton Honors Silver member, like a 20% Bonus on all Base Points, getting you to free nights faster.

No Foreign Transaction Fees

✓Enjoy every trip abroad with no foreign transaction fees from American Express with the Hilton Honors Card.

Amex Special Ticket Access

✓Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events and moments across sports, music, and more. Card Members can also enjoy additional perks when attending select events. While supplies last; not all seats may be offered.
✓While supplies last
✓Not all seats may be offered

Best Use Cases

IDEAL FOR

Hilton Hotels and Resorts guests who want to earn points with no annual fee
Those seeking complimentary Hilton Silver Status
Travelers who spend on dining, groceries, and gas and want bonus points
Those who want a no-annual-fee hotel rewards card with no foreign transaction fees

NOT RECOMMENDED FOR

Those who rarely stay at Hilton Hotels and Resorts
Those seeking premium hotel benefits like lounge access or annual hotel credits
Those who prefer cash back over hotel points

Maximize Your Rewards Strategy

Months 1–6: Hit the Bonus

Spend $2,000.00 to unlock $70,000.00 bonus
Effective 3500% return on first $2,000.00
Time large purchases strategically
Track progress toward spending goal
Don't overspend just for the bonus

Earn More Points

7X points per $1 on Hilton Portfolio Hotels and Resorts
5X points per $1 on U.S. Restaurants Including Takeout and Delivery
5X points per $1 on U.S. Supermarkets
Set up autopay to avoid late fees
Review partner programs for bonus opportunities

Ongoing: Optimize Categories

Prioritize highest-rate qualifying expenses first
Monitor any annual spending thresholds
Redeem points at minimum thresholds
Set up autopay to avoid late fees
Review new offers each year

Last updated: Mar 17, 2026

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