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American Express|Personal
Hilton Honors American Express Card
/5
Annual Fee
$0
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Is this card worth it?
Annual fee
$0
Best for
Travel
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Earning Rates
7x
hilton hotels
5x
us restaurants
5x
us supermarkets
5x
us gas stations
3x
other
Perks & memberships
4- Elite statusComplimentary Hilton Honors Silver Elite status for as long as you hold the Card — automatic, no nights required — including a 20% bonus on Base Points earned on every Hilton paid stay, a fifth-standard-reward-night-free benefit on points-only award stays of 5 or more nights, two complimentary bottled waters on arrival at most brands, and elite rollover nights
- Elite statusAutomatic upgrade to Hilton Honors Gold Elite status for the rest of the calendar year (and the entire following calendar year) when you spend $20,000 or more in eligible purchases on the Card in a single calendar year — the only no-annual-fee hotel card in the U.S. market that hands out Gold status purely on spend
- No foreign feesNo foreign transaction fees on international purchases made with the Card, which makes the 7X earn rate on Hilton paid stays abroad and the 3X on everyday foreign spend genuinely usable at non-U.S. Hilton properties (Conrad, Waldorf Astoria, Hilton, DoubleTree, Hampton, Curio, Canopy, etc. in Europe, Asia, Latin America)
- ExperiencesEligible for Amex Offers (statement-credit and bonus-point offers from third-party merchants such as Hilton properties, restaurants, retailers and travel partners that you add to the Card from your online account before paying with the Card) — historically a meaningful supplemental return on the Hilton co-brand cards
Travel & purchase protections
3- Purchase Protection: covers eligible purchases made with the Card against accidental damage, theft, or loss for up to 90 days from the purchase date, up to $1,000 per Covered Purchase and up to $50,000 per Card Member account per calendar year (the Amex baseline purchase protection that ships on every U.S. consumer Amex card)
- Extended Warranty: extends eligible U.S. manufacturer warranties of 5 years or less by up to one additional year on Covered Purchases made with the Card in the United States or its territories (standard Amex extended warranty terms; eligible new purchases under an original U.S. warranty)
- Global Assist Hotline: 24/7 emergency medical, legal, financial, and translation coordination and referral services whenever you travel more than 100 miles from home; Amex coordinates the services and the cardholder pays third-party fees (standard Amex baseline travel assistance — useful for stays at international Hilton properties)
More benefits & fine print (1)ShowHide
- Hilton Honors points earned on the Card never expire as long as the Card account remains open and in good standing, a meaningful advantage over Hilton's standard 24-month inactivity expiration for non-cardholders
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