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  American Express National Bank Hilton Honors Credit Card
American Express National Bank Hilton Honors Credit Card Claimed

American Express National Bank Hilton Honors Credit Card

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SuperMoney Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 18.74% - 27.74%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 18.74% - 27.74%
(Verified 08/04/2023)
Credit Score Range 670 - 850
Annual Fee $0
Number of Reviews 5

American Express National Bank Hilton Honors Credit Card Review

This is a rewards card issued by American Express National Bank. If you're wondering whether American Express National Bank Hilton Honors Credit Card 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 100,000 Hilton Honors™ Bonus Points after you spend $1,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership starting from the date your account is approved.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
  • 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 National Bank Hilton Honors Credit Card 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of American Express National Bank Hilton Honors Credit Card

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 purchases everywhere American Express National Bank Hilton Honors Credit Card is accepted.
  • American Express National Bank Hilton Honors Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges a 3% balance transfer fee

American Express National Bank Hilton Honors Credit Card FAQ

Does American Express National Bank Hilton Honors Credit Card have a cash back or rewards program?

American Express National Bank Hilton Honors Credit Card is a travel rewards card.

American Express National Bank Hilton Honors Credit Card Rewards
Minimum rewards rate 3x
Max rewards rate 7x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 100,000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does American Express National Bank Hilton Honors Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 100,000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does American Express National Bank Hilton Honors Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the American Express National Bank Hilton Honors Credit Card 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
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for American Express National Bank Hilton Honors Credit Card?

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 National Bank Hilton Honors Credit Card has a variable purchase APR that ranges from 18.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 27.74%. It also has a variable cash advance APR of 27.49% . 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 National Bank Hilton Honors Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does American Express National Bank Hilton Honors Credit Card 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 National Bank Hilton Honors Credit Card?

The following fees apply:

  • There is no overlimit fee
American Express National Bank Hilton Honors Credit Card Fees
Description
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) 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 $40
Late Fee Amount Up to $40

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 National Bank Hilton Honors Credit Card 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 National Bank Hilton Honors Credit Card?

The American Express National Bank Hilton Honors Credit Card customer service number is (800) 528-4800.

What is the support contact email for American Express National Bank Hilton Honors Credit Card?

The support contact email for American Express National Bank Hilton Honors Credit Card is info@americanexpress.com.

What is the American Express National Bank Hilton Honors Credit Card login page?

You can access the American Express National Bank Hilton Honors Credit Card login page here.

How do people rate the customer service and user experience of American Express National Bank Hilton Honors Credit Card?

Overall, American Express National Bank Hilton Honors Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does American Express National Bank Hilton Honors Credit Card report your account activity to credit bureaus?

Yes, American Express National Bank Hilton Honors Credit Card 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 National Bank Hilton Honors Credit Card

  • Visit the American Express National Bank Hilton Honors Credit Card 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.

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.

Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) 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 $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
Bonus Offer Earn 100,000 Hilton Honors™ Bonus Points after you spend $1,000 (the "Threshold Amount") on eligible purchases on your Card in your first 3 months of Card Membership starting from the date your account is approved.
No Blackout Dates
Rewards Categories
  • Gas
  • Groceries
  • Hotels
  • Restaurants
  • Every Purchase
Signup Bonus (points) 100
Cash Advance APR (Variable APR) 27.49%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 27.74%
(Verified 08/04/2023)
Balance Transfer APR (Variable APR) 18.74% - 27.74%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Bonus Offers
Card Network American Express

American Express National Bank Hilton Honors Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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