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  American Express Hilton Honors Ascend

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American Express Hilton Honors Ascend

in Personal Credit Cards from American Express National Bank

Out of Business

American Express Hilton Honors Ascend

in Personal Credit Cards from American Express National Bank

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Highlights
Purchase APR  (Variable APR) 17.74% - 26.74%
Balance Transfer APR  (Variable APR) 17.74% - 26.74%
Credit Score Range 650 - 850
Annual Fee $0

American Express Hilton Honors Ascend Review

American Express Hilton Honors Ascend is a rewards credit card issued by American Express National Bank. If you're wondering whether American Express Hilton Honors Ascend is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 7 points per dollar spent.
  • Earn 3 points for every dollar spent on everyday purchases. Terms and conditions apply. This is higher than the average reward rate (1 point per dollar spent) for everyday purchases.
  • Signup bonus. Offers a signup bonus of 75000 points after spending $1,000 within 90 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.74% up to 26.74%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. American Express Hilton Honors Ascend charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
American Express Hilton Honors Ascend Pros & Cons
The Good The Bad
  • No annual fee.
  • No foreign transaction fees.
  • Points can be earned quickly at 3-7 points per dollar.
  • Hilton occasionally offers to double or triple your points per stay or purchase.
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere American Express Hilton Honors Ascend is accepted.
  • American Express Hilton Honors Ascend reports to multiple credit bureaus.
  • More points are necessary to redeem rewards with this card than with other loyalty programs. Higher Category hotels consume drastically more points per night.
  • Higher than average purchase APRs.
  • Charges a 3% balance transfer fee.
American Express Hilton Honors Ascend FAQ

Is there a American Express Hilton Honors Ascend cash back or rewards program?

American Express Hilton Honors Ascend offers a rewards program to its customers.

American Express Hilton Honors Ascend Rewards
Minimum rewards rate (all purchases) 3x
Max rewards rate 7x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 75000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 90 months

Does American Express Hilton Honors Ascend have a signup bonus?

American Express Hilton Honors Ascend doesn't offer a cash signup bonus. However, it does include a 75000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does American Express Hilton Honors Ascend offer an annual loyalty bonus?

American Express Hilton Honors Ascend doesn't offer a cash loyalty bonus.

What are the American Express Hilton Honors Ascend benefits?

American Express Hilton Honors Ascend provides the following benefits:

  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for American Express Hilton Honors Ascend?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Express Hilton Honors Ascend has higher than average purchase APRs.

American Express Hilton Honors Ascend has a variable purchase APR that ranges from 17.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 17.74% up to 26.74%. It also has a variable cash advance APR starting at 27.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does American Express Hilton Honors Ascend have an introductory APR offer on balance transfers?

No, American Express Hilton Honors Ascend does not come with an introductory APR offer for balance transfers.

Does American Express Hilton Honors Ascend have an introductory APR offer on new purchases?

American Express Hilton Honors Ascend does not offer an introductory rate on new purchases.
American Express Hilton Honors Ascend Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for American Express Hilton Honors Ascend?

The following fees apply to American Express Hilton Honors Ascend:

  • There is no overlimit fee
American Express Hilton Honors Ascend Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does American Express Hilton Honors Ascend have a foreign transaction fee?

American Express Hilton Honors Ascend does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does American Express Hilton Honors Ascend report your account activity to credit bureaus?

Yes, American Express Hilton Honors Ascend reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Express Hilton Honors Ascend

  • Visit the American Express Hilton Honors Ascend website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

American Express Hilton Honors Ascend Disclosure: Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. Terms and limitations apply. View American Express Hilton Honors Ascend's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From American Express National Bank

Earn 75.000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card membership.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 7x Hilton Portfolio hotels or resorts 5x Restaurants 5x Supermarkets 5x Gas stations 3x on all other purchases.
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Additional Card Fee Amount $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards EARN 75,000 HILTON HONORS BONUS POINTS after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership.
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 75,000
Rewards Type Points
Cash Advance APR (Variable APR) Starting at 27.24%
Balance Computation average daily balance
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.74% - 26.74%
Balance Transfer APR (Variable APR) 17.74% - 26.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Bonus Offers
  • Gas
Card Network American Express

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