American Express National Bank Hilton Honors Credit Card Review

This is a rewards credit 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. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 7 reward points per dollar spent.
• Signup bonus. Offers a signup bonus of 100,000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. American Express National Bank Hilton Honors Credit Card has a variable purchase APR that ranges from 15.74% up to 24.74%.
• 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 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 have good approval odds.

The Good

The Bad

Lower than average purchase APRs. 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.

Requires good to excellent credit. Charges a 3% balance transfer fee.

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

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.74% up to 24.74%. 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 25.24% . Note that late payments are subject to an APR of 29.24% 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 National Bank Hilton Honors Credit Card?

The following fees apply:

• There is no overlimit fee

American Express National Bank Hilton Honors Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	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 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.