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  Hilton Honors Card from American Express

Hilton Honors Card from American Express

in Personal Credit Cards from American Express National Bank

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Hilton Honors Card from American Express

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 17.49% - 26.49%
Credit Score Range 750 - 850
Annual Fee $0
Purchase APR  (Variable APR) 17.49% - 26.49%

Hilton Honors Card from American Express Review

Hilton Honors Card from American Express is a rewards credit card issued by American Express National Bank. If you're wondering whether Hilton Honors Card from American Express 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.
  • Signup bonus. Offers a signup bonus of 75000 points after spending $1,000 within 3 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 17.49% up to 26.49%.
  • 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. Hilton Honors Card from American Express 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.
  • 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, and fraud protection.
  • Very good credit required. Applicants will typically need a credit score of at least 750 to qualify.

Hilton Honors Card from American Express Pros and Cons:

The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Hilton Honors Card from American Express reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges a 3% balance transfer fee.

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

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

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

Does Hilton Honors Card from American Express have a signup bonus?

Hilton Honors Card from American Express 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 Hilton Honors Card from American Express offer an annual loyalty bonus?

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

What are the Hilton Honors Card from American Express benefits?

Hilton Honors Card from American Express provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Hilton Honors Card from American Express?

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

Hilton Honors Card from American Express has a variable purchase APR that ranges from 17.49% up to 26.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 26.49%. It also has a variable cash advance APR of 26.99% . 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 Hilton Honors Card from American Express have an introductory APR offer on balance transfers?

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

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

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

What are the Hilton Honors Card from American Express fees?

The following fees apply to Hilton Honors Card from American Express:

  • There is no overlimit fee
Hilton Honors Card from American Express 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 Hilton Honors Card from American Express have a foreign transaction fee?

Hilton Honors Card from American Express 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 Hilton Honors Card from American Express report your account activity to credit bureaus?

Hilton Honors Card from American Express 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 can help improve your credit score.

How to apply for Hilton Honors Card from American Express

  • Visit the Hilton Honors Card from American Express 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.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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) Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3x Hilton Honors Bonus Points for all other eligible purchases
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Card Type
  • Bonus Offers
  • Rewards
  • Travel
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Purchase Protection
  • Travel Accident Insurance
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
No Blackout Dates  
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Hotels
  • Restaurants
Signup Bonus (points) 75,000
Rewards Type Points
Cash Advance APR (Variable APR) 26.99%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.49% - 26.49%
Balance Transfer APR (Variable APR) 17.49% - 26.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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