Hilton Honors American Express Card

American Express American Express Standard Pending

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9

Benefits

3

Reward Categories

10x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: hilton-honors

Issuer: American Express

Card Name: Hilton Honors American Express Card

Card Type: Credit

Network: American Express

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:38

Last Scraped: Jan 22, 2026 07:03

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Hilton Portfolio Purchases	10x	Points	on eligible purchases at hotels and resorts in the Hilton portfolio	No Cap
U.S. Supermarkets, U.S. Gas Stations, U.S. Restaurants	5x	Points	on eligible purchases at U.S. supermarkets, U.S. gas stations, and U.S. restaurants	No Cap
All Other Eligible Purchases	3x	Points	on all other eligible purchases	No Cap

Rewards Summary

PENDING

Reward Type: Hilton Honors Points

Base Rate: 3x

Bonus Rate: 14x

Categories: 14x Hilton purchases, 7x Flights booked directly with airlines or amextravel.com, 7x Car Rentals booked directly from select car rental companies, 7x U.S. Restaurants, 6x U.S. Supermarkets, 6x U.S. Gas Stations

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points expire after 24 months of account inactivity.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: None (Hilton Honors points do not transfer out to other partners)

Redemption Penalties: No direct penalties for standard redemptions. Points expire after 24 months of inactivity. The 'TravelPortalMultiplier' is 0.0 as Hilton Honors points are redeemed directly with Hilton and are not applicable for booking through American Express's general travel portal.

Benefits & Protections (Detailed) 9 Total

PENDING

Hotel Perks 1

Free Night Reward (Spend Based)

One Free Night Reward

Earn a Free Night Reward after you spend $15,000 on eligible purchases on your Card in a calendar year.

Hotel Status & Perks 1

Complimentary Hilton Honors Gold Status

Hilton Honors Gold Status

Receive complimentary Hilton Honors Gold Status with your Card. Enjoy benefits like an 80% Bonus on all Base Points you earn on every stay, space-available room upgrades, and more.

Rewards Earning 3

Hilton Portfolio Purchases Earning

7X points per dollar

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.

Everyday Spending Earning (Restaurants, Supermarkets, Gas)

5X points per dollar

Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

All Other Purchases Earning

3X points per dollar

Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Security & Protection 1

Fraud Protection

Fraud protection

American Express is committed to protecting you online and offline. If you're a victim of fraud, we'll help you resolve the issue.

Shopping & Savings 1

Amex Offers

Discounts and extra points

With Amex Offers, you can get discounts and earn extra points on things you already buy. Just add the offers to your Card and get rewarded.

Travel Perks 1

No Foreign Transaction Fees

No fees

Pay no foreign transaction fees on purchases made abroad.

Welcome Bonus 1

Welcome Offer Bonus Points

100,000 Hilton Honors Bonus Points

Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Hotel Status: Hilton Honors Silver

Sign-Up Bonus

PENDING

100,000

Points/Miles

Requirement: Spend $2,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Penalty APR:	0.00%
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$40.00
Returned Payment:	$40.00
Balance Transfer:	N/A
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 0 months

Promo Financing: Introductory APR on Purchases

Promo Duration: 12 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 739

Approval Odds

Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Not specified

Credit Bureau

Experian

Issuer Rules & Policies

PENDING

Rules: American Express applies a 'once per lifetime' rule for welcome bonuses, meaning you are generally eligible for the welcome bonus on the Hilton Honors card only if you have not previously received a welcome bonus for this specific card product. Additionally, Amex enforces a '2/90 rule,' limiting applicants to a maximum of two credit card approvals within a 90-day period. Eligibility also requires applicants to be 18 years or older, possess a valid SSN or ITIN, and meet Amex's internal creditworthiness criteria.

Max Cards Per Issuer: 5

Min Spend Interval: 3-6 months

Shutdown Risk Triggers: Manufactured spending, unusual spending patterns (e.g., large purchases immediately followed by payments, excessive gift card purchases), high cumulative credit limit relative to income, rapid succession of applications/bonuses, payment defaults, or attempts to game refund policies.

Cliff Effect Rules: American Express's 'once per lifetime' rule applies specifically to the individual card product. While there isn't a strict 'family rule' preventing bonuses across *all* Hilton cards if you've had one, eligibility for a specific Hilton Honors card bonus may be impacted if you have or have had a previous version of that *exact* card product (e.g., a prior iteration of the standard Hilton Honors card).

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Good for Hilton loyalists with no annual fee, offers automatic Silver status and bonus points on everyday spending like dining, groceries, and gas. Solid welcome bonus for a no-annual-fee card.

Top Negative:
Hilton points have lower redemption value compared to other hotel programs, the card has foreign transaction fees, and general spending rates are not as competitive as some dedicated cashback cards.

Approval Experience: 85.0 / 100

Recommended Alternatives

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Aspire Card
Marriott Bonvoy Boundless® Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $395.00

Approval Probability: 85.0%

Version Control

PENDING

Version ID: v1.0