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American Express

Hilton Honors American Express Card

Hilton Honors is the no-annual-fee entry to the Hilton trio. Its 7X at Hilton, 5X across U.S. dining, groceries, and gas, and 3X base on everything else add up to one of the strongest cashback-equivalent earn structures on a $0-AF card. The Silver status does little beyond a 20% bonus on base points, but if you stay at Hiltons even occasionally, the welcome bonus alone makes the card worth keeping.

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Hilton Honors American Express Card card art
  • Annual fee
    Free
  • Welcome offer
    80,000 points
    ≈$400 at our valuation
    after $2,000 in 6 months
  • Recommended credit
    670-790
    Median 720. See why →

Earning rates

on Hilton Honors
  • 7x
    Hotels Resorts
    Hilton portfolio only
  • 5x
    Dining
    U.S. only
  • 5x
    Gas
    U.S. only
  • 5x
    U.S. Supermarkets
    U.S. only
  • 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
    Conditional
    Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
    Issuer policy

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

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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.