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Last Updated: 07/28/2025
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American Express Hilton Honors Ascend
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
20.99% - 29.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
20.99% - 29.99%(Verified 08/24/2024)
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Credit Score Range
650 - 850
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Annual Fee
$0
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American Express Hilton Honors Ascend Review
American Express Hilton Honors Ascend is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a travel 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.
- Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.99% up to 29.99%.
- 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.$0
- 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.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of American Express Hilton Honors Ascend
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 5 x points (5X Points at U.S. gas stations) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 5 x points (5X Points at U.S. supermarkets) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 7 x points (Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 5 x points (Earn 5X Points per dollar on purchases at U.S. restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 3 x points (3X Points for all other eligible purchases on your Card) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does American Express Hilton Honors Ascend have a signup bonus?
Yes. Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
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?
American Express Hilton Honors Ascend 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.American Express Hilton Honors Ascend has a variable purchase APR that ranges from 20.99% up to 29.99%. The card has a variable balance transfer APR that ranges from 20.99% up to 29.99%. It also has a variable cash advance APR of 29.99% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for American Express Hilton Honors Ascend 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 login page for American Express Hilton Honors Ascend?
You can access the login page of American Express Hilton Honors Ascend 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 to the following credit bureaus:
- 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 build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, American Express Hilton Honors Ascend performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for American Express Hilton Honors Ascend
- Visit the website of American Express Hilton Honors Ascend.
- 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.
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
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Message from American Express Hilton Honors Ascend
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM