American Express Hilton Honors Ascend

American Express Hilton Honors Ascend Review

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

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.

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?

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.

What are the fees for American Express Hilton Honors Ascend?

The following fees apply:

• There is no overlimit fee

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 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.