HomeFinanceIs a Hilton Honors Credit Card Worth It?

Is a Hilton Honors Credit Card Worth It?

If you are a Hilton loyalist, a co-branded card is value it. If not, it nonetheless could also be a clever selection for vacationers who keep in resorts no less than a few instances a 12 months.

The better portfolio of Hilton resorts and resorts spans eighteen manufacturers, from Waldorf Astoria to Hampton by Hilton, totaling over 6,700 properties throughout 122 nations. So, likelihood is that for those who journey simply a few instances a 12 months, chances are you’ll find yourself staying at a property below the Hilton umbrella.

The model’s loyalty program, Hilton Honors, makes it simple to earn factors throughout resort stays, however a co-branded Hilton bank card makes it simple to earn factors on a regular basis. With strong welcome provides, good earnings charges on on a regular basis purchases and bonus factors on resort stays, even occasional vacationers could need to take into account a Hilton Honors bank card.

We’ll go over what Hilton Honors bank cards can be found and provides some ideas for serving to you reply the query, “Is a Hilton Honors credit card worth it?”

Available Hilton Honors bank cards

American Express and Hilton have partnered to supply a number of Hilton Honors bank cards, together with three private playing cards and one for enterprise house owners. Welcome provides for these playing cards change periodically all year long.

Here’s a abstract of which playing cards can be found, plus their present intro provides.

Personal Hilton Honors bank cards

American Express Hilton HonorsTM Card from American Express Credit Card
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  • Hilton Honors American Express Card (annual payment of $0): Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership. Terms Apply.

Hilton Honors Ascend
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  • Hilton Honors American Express Surpass® Card (annual payment of $95): Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Card within the first 3 months of Card Membership. Terms Apply.

  • Hilton Honors American Express Aspire Card (annual payment of $450): Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you utilize your new Card to make $4,000 in eligible purchases inside the first 3 months of Card Membership. Terms Apply.

Hilton Honors enterprise bank cards

Hilton Honors American Express Business Card
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  • The Hilton Honors American Express Business Card (annual payment of $95): Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors Business Card within the first 3 months of Card Membership. Terms Apply.

With 4 robust choices, choosing the proper card for you depends on the advantages that meet your wants, your finances and your future journey plans.

How Hilton Honors bank cards work

When you apply for a Hilton Honors bank card, your card will probably be connected to your Hilton Honors loyalty quantity. If you are not already one of many 118 million current members, a new member quantity will probably be created for you when making use of for a Hilton Honors bank card.

Once you meet the minimal spending necessities as a new cardholder, you will earn the bonus specified within the welcome supply. All of your purchases earn factors as nicely, with a minimal of three factors per greenback spent, no matter which Hilton Honors bank card you select. That stated, every card has its personal construction for receiving bonus factors for spending in sure classes, like eating at U.S. eating places or filling up at U.S. gasoline stations.

Hilton Honors makes use of a dynamic award calendar, so the precise variety of factors required to e-book a resort keep varies based mostly on the resort or resort, your required room class, time of reserving and the dates of keep. However, there are some basic parameters. For most traditional rooms, free nights start for as few as 5,000 factors per night time and go as much as 95,000 factors per night time. However, at choose properties, nights for a customary room can value as a lot as 150,000 factors per night time. To assist, Hilton Honors offers a search instrument to determine the bottom and most variety of factors required per night time for every resort.

Hilton Honors factors expire after greater than 24 months of inactivity in your loyalty account. If you shut your bank card, all factors already transferred to Hilton Honors are yours to maintain.

How to find out if a Hilton Honors card is value it

Each Hilton Honors bank card provides helpful advantages, even the one with out an annual payment.

Understand the worth of the welcome bonus

Current welcome provides vary from 130,000 bonus factors to 180,000 bonus factors. To put this bonus in perspective, we checked out some award night time pricing for May 2022 and located the next offers:

  • Two nights on the Conrad New York Downtown for 160,000 factors complete.

  • Four nights at Hilton Orlando Lake Buena Vista – Disney Springs Area for 160,000 factors complete.

  • Three nights at Canopy by Hilton Chicago Central Loop for 150,000 factors complete.

  • Two nights at Rome Cavalieri, A Waldorf Astoria Hotel for 160,000 factors complete.

Suffice to say, hefty welcome bonuses will speed up your path towards award stays in a number of locations.

Predict your annual spend in bonus classes

Each Hilton Honors bank card pays Hilton Honors factors in your common spending, and you’ll earn bonus factors for sure different kinds of spending. Purchases at Hilton resorts or resorts can earn as much as 14 factors per greenback, whereas purchases at U.S. gasoline stations, U.S. eating places and U.S. supermarkets additionally get you bonus factors — as do purchases of airline tickets. So even for those who don’t frequent Hilton properties, you possibly can earn plenty of factors with these playing cards.

Get elite standing and lounge entry

Every Hilton Honors bank card with an annual payment grants elite standing mechanically and provides some type of complimentary membership to Priority Pass, the biggest airport lounge community on the planet.

The Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card give Gold standing whereas the Hilton Honors American Express Aspire Card comes with top-tier Diamond standing. Both Gold and Diamond statuses can get you room upgrades (when accessible), on-property eating credit (which differ by property), and bonus factors per greenback on paid stays at most Hilton manufacturers.

These three playing cards additionally all include some type of Priority Pass membership. The tier provided by means of the Hilton Honors American Express Aspire Card offers limitless entry to the community’s 1,300+ lounges for the cardmember and two visitors per go to, whereas membership by means of the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card grant ten complimentary visits complete per 12 months. A ten-pack of lounge visits would value $299 if bought immediately from Priority Pass.

Who ought to skip a Hilton Honors bank card?

While a Hilton Honors bank card is sensible for Hilton loyalists and even informal vacationers, not everyone seems to be essentially a candidate for these playing cards. Look for an additional card if:

  • You desire trip leases to resorts. If you are the kind of traveler who prefers dwelling stays or trip leases, and you do not anticipate finding your self staying at a resort anytime quickly, hold purchasing for one other journey bank card.

  • You haven’t any plans to journey within the subsequent few years. It’s sensible to rack up factors to your subsequent journey. However, Hilton Honors factors do expire. If you merely get the cardboard for the welcome bonus after which cling on to the factors and the cardboard for too lengthy with out utilizing both, chances are you’ll lose the factors.

  • You desire money again to factors. Points are engaging, however they don’t seem to be helpful to everybody. If you prefer to hold issues easy with a bank card that rewards with money again somewhat than factors, have a look at these money again playing cards.

If you are contemplating a Hilton Honors bank card

For Hilton loyalists and people who journey typically, it’s value getting a Hilton Honors bank card. You’ll earn helpful factors aplenty due to nice welcome provides and bonuses on on a regular basis purchases. Even the informal traveler ought to take into account a Hilton Honors card to start out saving factors now for that dream journey later.

To view charges and charges of the Hilton Honors American Express Card, see this web page. To view charges and charges of the Hilton Honors American Express Surpass® Card, see this web page. All details about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is now not accessible by means of NerdWallet. To view charges and charges of The Hilton Honors American Express Business Card, see this web page.

How to maximise your rewards

You need a journey bank card that prioritizes what’s essential to you. Here are our picks for the greatest journey bank cards of 2022, together with these greatest for:

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