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American Express Hilton Honors Ascend
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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 no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs. |
This 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.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 7 reward points per dollar spent.
- 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of American Express Hilton Honors Ascend
The Good | The Bad |
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American Express Hilton Honors Ascend FAQ
Does American Express Hilton Honors Ascend have a cash back or rewards program?
American Express Hilton Honors Ascend is a travel rewards card.
Minimum rewards rate | 3x |
Max rewards rate | 7x |
Annual rewards limit | N/A |
Signup Bonus ($) | 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?
This card 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?
This card doesn't offer a cash loyalty bonus.What are the American Express Hilton Honors Ascend benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for American Express Hilton Honors Ascend?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does American Express Hilton Honors Ascend have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for American Express Hilton Honors Ascend?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $39 |
Late Payment Fee | up to $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does American Express Hilton Honors Ascend have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for American Express Hilton Honors Ascend?
The American Express Hilton Honors Ascend customer service number is (800) 528-4800.
What is the support contact email for American Express Hilton Honors Ascend?
The support contact email for American Express Hilton Honors Ascend is info@americanexpress.com.
What is the American Express Hilton Honors Ascend login page?
You can access the American Express Hilton Honors Ascend login page here.
How do people rate the customer service and user experience of American Express Hilton Honors Ascend?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From American Express Hilton Honors Ascend
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 USA - (800) 528-4800
- Visit Site
- Email Support
Other Services by American Express National Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
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- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
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 |
Returned Payment Fee | Up to $39 |
Additional Card Fee Amount | $0 |
Late Fee Amount | Up to $39 |
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