Citi Hilton HHonors Visa Signature Card: Big Rewards with No Annual Fee

By Jason Steele. Last updated 26 June 2017. 0 comments

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Editor's note: This offer is currently unavailable. If you're looking for a great Hilton credit card, check out the Hilton Honors Surpass Card from American Express.

Have you considered a credit card from a hotel chain? Credit cards that offer rewards in hotel loyalty programs are often overlooked by travelers who are obsessed with frequent flyer miles, and that's too bad. When it comes to satisfying their customers, the hotel industry is doing a much better job than the airlines are, and part of the reason is their loyalty programs are much more straightforward. The Citi® Hilton HHonors™ Visa Signature® Card from our partner Citi allows you to earn at least two points per dollar spent on all transactions, with no annual fee.

Why We Like This Card

  • 75,000 bonus points offer
  • Automatic HHonors Silver status
  • No annual fee

How This Card Works

Cardholders will earn six points per dollar spent at all of the different Hilton properties, which include Hampton Inns, Doubletree hotels, Embassy Suites, and even the Waldorf-Astoria. Three points are earned for every dollar spent at supermarkets, drugstores, and gas stations, and double points on all other purchases. There is no annual fee.

Points can be redeemed for free night stays at any of the brands in the Hilton portfolio, with no blackout dates or capacity controls. If a standard room is available for sale, Hilton HHonors members can book it with their points.

Other Benefits

HHonors Silver status. Cardholders automatically receive Silver elite status in the HHonors program which includes a 15% points bonus, free access to fitness centers, and a fifth night free on award stays of five nights or more. Cardholders who spend $20,000 on their cards are given Gold status with even more perks such as free WiFi.

Annual loyalty bonus. Cardholders can earn an annual loyalty bonus of 10,000 Hilton HHonors bonus points at the end of each calendar year in which they spend $1,000 or more on stays within the Hilton Portfolio.

Citi Price Rewind. All purchases made on the card are eligible to participate in Citi's Price Rewind program, which means that Citi may refund the difference in price of registered purchases within 60 days of the original purchase.

Pros

Nice bonus. This card has a pretty good bonus offer that will allow new cardholders to enjoy a free night stay.

Automatic HHonors Silver status. It is nice to get Silver status automatically just by signing up for this card, and many cardholders should be able to earn Gold status too.

Great reward rates. Double points on all transactions, and triple points at supermarkets, drugstores, and gas stations will allow cardholders to accumulate rewards quickly.

No annual fee. Unlike many travel reward credit cards, there is no annual fee.

Cons

Points worth less than other hotel programs. Each Hilton point is not worth as much as points in other hotel programs, which is why they can offer double or triple points for regular purchases. Nevertheless, Hilton is such as large chain with so many brands, that its points are still very valuable. With over 4,200 locations in 93 countries, cardholders can access properties in places where other smaller programs are absent, and have a wider variety of choices in more popular destinations. (See also: Credit Cards with the Best Travel Redemption Value)

Foreign transaction fee. This would not be a good card to use while traveling abroad, with the 3% foreign transaction fee. (See also: Credit Cards that Have No Foreign Fees)

Who This Card Is Best For

This card is best for moderate travelers and spenders who like Hilton properties. By offering competitive rewards with no annual fee, the Hilton HHonors Visa Signature card becomes a compelling alternative to hard-to-redeem travel rewards.

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