Which Hilton Honors Credit Card should a Hilton Honors member get?



Which Hilton Honors Credit Card should the Hilton Honors member choose? Both Citibank and American Express each have a Hilton Honors credit card that lets you earn faster points. The American Express membership rewards also partners with Hilton Honors and you can exchange reward points for Hilton Honors points or certificates in a few American Express Cards.

Summary - We recommend the Hilton Honors Credit Card from American Express as it allows you to earn the most points of all the Hilton Honors credit cards (more than the Citi Hilton Honors Visa). Specifically, you earn 5 points for every dollar you spend on Hilton Hotels versus 3 points for the Citi card. In addition, you also earn 5 Hilton points for every dollar you spend on "everyday purchases". Those who prefer a visa card should get the Citi Hilton HHonors® Visa® card, which is still a good card.

Let us take a closer look at these and other cards.

Recommended Hilton Honors Credit Card

hilton honors credit card
The Hilton Honors Platinum Credit Card from American Express is probably the best personal Hilton Honors credit card. You earn 5 Hilton Honors points for every dollar you spend at over 2,700 Hilton hotels and also purchases at standalone supermarkets, gas stations, drugstores, selected dining establishments, US Post Office and wireless phone bills. You earn 3 Hilton Honors points for other purchases. You can points for up to $100,000 in annual spending. Once you exceed this limit, you can still earn points at Hilton Hotels but at a rate of 2 points for every dollar you spend. As an incentive, you are given 10,000 bonus points after your first purchase and you can earn 2,500 bonus points for your first 4 stays at any Hilton hotels. The Hilton Honors Platinum Credit Card has no annual fee.

hilton honors credit card
For those who prefer a Visa card, the Hilton HHonors® Visa® Card from Citibank allows you to earn 3 points for every dollar you spend at Hilton Hotels and 2 points for every dollar you spend on other purchases (less than the American Express card). You get 15,000 bonus points after your first purchase. There is also no annual fee for this card.

Other Hilton Honors Credit Card

The following American Express Cards, Blue, Rewards Green Card, and Rewards Gold Card are based on Membership Rewards Options program. You can convert reward points into Hilton points. However, we would not recommend these cards solely for the purpose of accumulating Hilton HHonors points as the decicated Hilton cards allow you to earn much more points for every dollar that you spend.

The Business Green Rewards Card from American Express is based on membership rewards. You can exchange membership reward points into Hilton points at a rate of 1300 points for 1000 hilton hhonors points. Given that both the Hilton Honors Platinum Credit Card from American Express and the Citi Hilton HHonors® Visa® card allow you to earn more points for every dollar you spend, we recommend the small business owner use either of these cards if you want to earn faster Hilton HHonors points.

Comparison between the American Express and Citi Hilton Honors Credit Card


Criteria American Express
Hilton Honors
Citi Hilton Honors
Bonus Points 10,000 bonus points after first purchase
Earn 2,500 bonus points for each of the first 4 stays at Hilton
ie Earn up to 20,000 bonus points
15,000 bonus points after first purchase
Point Formula 5 points for every dollar you spend at Hilton Hotels, standalone supermarkets, gas stations, drugstores, selected dining establishments, US Post Office and Wireless Phone Bills
Earn 3 points for every dollar you spend on other purchases
3 points for every dollar you spend at Hilton Hotels
2 points for every dollar you spend on other purchases
Annual Fee No annual fee No annual fee
Intro APR 2.90% apr for purchases and balance transfers for 6 months 2.99% apr for purchases and balance transfers for 6 months
APR Prime rate plus 9.99% Prime rate plus 9.99% for signature card
Prime rate plus 11.99% for gold card



Conclusion - We recommend Hilton Honors Platinum Credit Card from American Express as it lets you earn more points than the Citi Hilton Honors Visa. Furthermore, you also earn 5 Hilton points for every dollar you spend on "everyday purchases".

However, if you want to get a Visa, the Hilton HHonors® Visa® card from Citibank is a good card as well (though you earn slightly less points than the American Express card).

For business owners who want to earn Hilton Honors points, we suggest using either of the two personal cards instead as there are no business cards that let you earn or transfer points at the rate of these 2 personal cards.




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