Hilton Honors American Express Card

Hilton Honors is the no-annual-fee entry to the Hilton trio. 7X at Hilton, 5X across U.S. dining / groceries / gas, and 3X base on everything else is one of the strongest cashback-equivalent earn structures on a $0-AF card. The Silver status doesn't unlock much (20% bonus on base points), but if you stay at Hiltons even occasionally, the welcome bonus alone makes this card worth keeping.

See current offer Issuer terms

Hilton Honors American Express Card card art

Annual fee

Free
Welcome offer

80,000 points

after $2,000 in 6 months
Recommended credit

670-790

Median 720. See why →

Earning rates

on Hilton Honors

7x

Hotels Resorts
5x

Dining
5x

Gas
5x

U.S. Supermarkets
3x

Everything else

Benefits and credits

Travel credits and perks

Global Assist Hotline

Purchase and protection benefits

Extended Warranty

Up to $10,000
Purchase Protection

Up to $1,000 · 90d

Elite status conferred

hilton honors

Silver

Travel and purchase coverage

Rental car collision damage waiver

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.49% to 28.49%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 19.49% to 28.49%; Fee $5 or 3.00%, whichever is greater
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Soft-pull pre-qualification available
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Not disclosed

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

Similar cards

Cards with the most in common, based on the math.

Hilton Honors American Express Surpass Card

Amex

The Surpass is the mid-tier Hilton cobrand at $150 a year, sitting between the no-fee Hilton Honors and the $550 Aspire.

$150 annual fee

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Chase Freedom Unlimited

Chase · Visa

The Freedom Unlimited is the workhorse no-annual-fee card that quietly earns 1.5% on everything plus elevated rates on dining, drugstores, and Chase Travel.

$0 annual fee

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Hilton Honors American Express Aspire Card

Amex

The Aspire is the only Hilton card worth keeping for non-Hilton-loyalists: $400 in Hilton Resort credits, $200 flight credit, $209 CLEAR+, an annual free night good at almost any Hilton, and complimentary Diamond status that turns regular Hilton stays into upgrades, premium Wi-Fi, and lounge access at select properties.

$550 annual fee

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.