Which Hilton Honors Credit Card Should You Get?

By Jason Steele. Last updated 23 March 2017. 0 comments

This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. The content is not provided by the advertiser and any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any bank, card issuer, airline or hotel chain. Please visit our Advertiser Disclosure to view our partners, and for additional details.

How hard can it be to pick a hotel credit card? With most airline and hotel programs, you get your choice of one or perhaps two slightly different credit cards, both issued by a single bank. But Hilton has a different way of doing things, as it offers no fewer than four different credit cards from two different issuers.

Let's take a look at these cards and see which one is right for you.

Citi® Hilton HHonors™ Visa Signature® Card

The Hilton HHonors Visa Signature Card from our partner Citi offers 6x points on hotel stays within the Hilton Portfolio, 3x points at supermarkets, drugstores and gas stations, and 2x points everywhere else. Other benefits include Silver status with the Hilton HHonors program, and Gold status when you complete four stays within your first 90 days of account opening or when you make $20,000 or more in purchases each calendar year. You also get an annual bonus of 10,000 Hilton HHonors Bonus Points at the end of each calendar year when spend $1,000 or more on stays at Hilton Portfolio hotels. There's no annual fee for this card.

Click here to learn more and apply for the Citi® Hilton HHonors™ Visa Signature® Card today!

Hilton Honors™ Card from American Express

American Express is the other card issuer for Hilton, and its Hilton Honors Card from American Express also offers an entry level card with no annual fee. For a limited time, earn 80,000 Honors points after making $2,000 in purchases within three months of card membership. (Offer ends 5/31/2017.) Cardholders receive 7x points for Hilton purchases, 5x points at U.S. restaurants, U.Ssupermarkets and gas stations, and 3x elsewhere. Spend $20,000 on your card within a calendar year, and you will earn Gold status (otherwise Silve status is automatic). There is no annual fee for this card. Terms apply. See rates and fees.

Click here to learn more and apply for the Hilton HHonors™ Card from American Express today!

Citi® Hilton HHonors™ Reserve Card 

The Citi® Hilton HHonors™ Reserve Card offers 10x points for spending at Hilton Portfolio hotels, 5x for airline and rental car purchases and 3x on all other purchases. New cardholders also receive two certificates good for one free weekend night at select hotels after making $2,500 in purchases within four months of account opening. You also receive instant Gold status and can earn an upgrade to HHonors Diamond status when you make $40,000 or more in purchases each calendar year. You can also earn an anniversary bonus of one weekend night at select hotels after spending $10,000 on purchases during a cardmember year. There is a $95 annual fee for this card.

Click here to learn more and apply for the Citi® Hilton HHonors™ Reserve Card today!

Hilton Honors™ Surpass® Card from American Express

For a limited time, the Hilton Honors™ Surpass® Card from American Express is offering 100,000 bonus points after spending $3,000 within three months of account opening. (Offer ends 5/31/17.) You also earn an amazing 12x points per dollar spent at Hilton hotels, 6x points at U.S. restaurants, U.S. supermarkets and U.S. gas stations, and 3x for each dollar spent elsewhere. Cardholders who spend $40,000 within a calendar year earn top-tier Diamond status (Gold status is included automatically). Terms apply. There is a $75 annual fee for this card. See rates and fees.

Click here to learn more and apply for the Hilton Honors™ Surpass® Card from American Express today!

 

HHonors Visa Signature from Citi

Honors Card from American Express

HHonors Reserve Card from Citi

Sign Up Bonus

Limited time: 75,000 bonus points after $2,000 within first 3 months

Limited time: 80,000 bonus points after $2,000 within first 3 months (ends 5/31/2017)

2 weekend night stay certificates after $2,500 within first 4 months

Rewards on Hilton purchases

6x per dollar

7x per dollar

10x per dollar

Rewards on other purchases

3x per dollar at supermarkets, drugstores, and gas stations; 2x points on other purchases

5x per dollar at U.S. supermarkets, U.S. restaurants, and U.S. gas stations; 3x on other purchases

5x per dollar on airline and car rental purchases; 3x per dollar on other purchases.

HHonors Status

Silver

Silver

Gold

Annual Bonus

10,000 points each year $1,000 or more spent on Hilton stays

None

Weekend night certificate each year $10,000 or more spent

APR

15.99%-19.99% variable

15.99%-19.99% variable

15.99% variable

Foreign Transaction Fee

3%

2.7%

$0

Annual Fee

$0

$0

$95

Which card should you get?

Both American Express and Citi offer entry-level no fee cards as well as a higher end reward card with an annual fee. If you don't stay at Hilton hotels very often, then you are probably better off with one of the entry level cards. Between these two cards, the American Express card will have the edge for most applicants, as it offers more points for Hilton stays, and at U.S. restaurants, gas stations and supermarkets and for non-bonus spending. 

For more frequent Hilton guests (and travelers in general), the Hilton HHonors Reserve Card from Citi offers bonus points for airline and car rental purchases, complimentary Gold status, and a free weekend night certificate each year $10,000 or more is spent. It does have a $95 annual fee.

2.5
Average: 2.5 (2 votes)
Your rating: None
ShareThis
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.