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$550
Annual Fee
150,000
Hotel · Welcome Bonus
12X
Top Rate
Annual Fee
$550
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Hilton Honors
Point Valuation
0.4–0.5 cpp (mid: 0.5)
Credit Required
Good to Excellent
Welcome Offer
150,000
Hotel
Spend $6,000 in the first 6 months
Hilton Hotels
12X points at hotels and resorts in the Hilton portfolio
Dining
6X points at restaurants worldwide
Flights
Flights booked directly with airlines
Gas Stations
6X points at U.S. gas stations
Car Rentals
6X points on car rentals
Wireless Services
6X points on U.S. wireless telephone services
Benefits & Perks
Program & Transfers
More ways to earn. More ways to stay.
Hilton Honors is one of the world's largest hotel loyalty programs, with over 9,000 properties across 25 brands in 138 countries. The program offers a straightforward earning structure of 10 points per dollar at most brands, with elite members earning up to 120% bonus points on top of base earnings. Members earn points on eligible stays and can redeem for free night awards starting at 5,000 points, with dynamic pricing based on room rates. The fifth night free benefit on standard award stays of 5+ nights offers exceptional value, effectively a 20% discount on longer redemptions. The program features five elite tiers (Member, Silver, Gold, Diamond, and Diamond Reserve) with benefits including room upgrades, executive lounge access, free breakfast (Gold and above), and milestone bonuses. Elite status can be earned through paid nights, stays, or qualifying spend, with credit card holders receiving automatic Gold or Diamond status.
Reviews & Analysis
The Hilton Honors American Express Business Card is a good option for Hilton loyalists, especially if you are near the 5/24 limit. Although points may hold lower value, frequent visits can justify this card’s extras.
This card can be a good choice for Hilton loyalists, those nearing their 5/24 limit, and anyone hoping to redeem a free night (or more) at a Hilton property using the welcome offer points. However, it can be deceptive — though that’s true of many Hilton co-branded cards. Hilton point redemptions tend to require more points than other hotel chains. The standard **welcome offer is 130,000 points**, which might sound high, but we value Hilton points at about 0.6 cents each, making the welcome offer worth approximately $780. That still seems decent, but in cities or during peak travel season, those 130,000 points may only cover one or two nights. If you’re traveling to a smaller city or during off-peak times, you’ll get more out of these points. However, they’re generally not as valuable as points from a hotel chain like Hyatt.
Details & Terms
| Purchase APR | 19.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Hilton Honors points are valued at approximately 0.4-0.7 cents each, depending on redemption. Standard rooms average 0.5 cpp, while luxury properties and experiences can exceed 2 cpp. Dynamic pricing means value varies significantly by property and date.
Yes, Hilton Honors points expire after 24 months of account inactivity. Any qualifying activity (stays, points earning, or card usage) resets the 24-month clock. Holding an active Hilton Honors credit card keeps your account active.
Media & Resources
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$550
Annual Fee
150,000
Hotel · Welcome Bonus
12X
Top Rate
Annual Fee
$550
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Hilton Honors
Point Valuation
0.4–0.5 cpp (mid: 0.5)
Credit Required
Good to Excellent
Welcome Offer
150,000
Hotel
Spend $6,000 in the first 6 months
Hilton Hotels
12X points at hotels and resorts in the Hilton portfolio
Dining
6X points at restaurants worldwide
Flights
Flights booked directly with airlines
Gas Stations
6X points at U.S. gas stations
Car Rentals
6X points on car rentals
Wireless Services
6X points on U.S. wireless telephone services
Benefits & Perks
Program & Transfers
More ways to earn. More ways to stay.
Hilton Honors is one of the world's largest hotel loyalty programs, with over 9,000 properties across 25 brands in 138 countries. The program offers a straightforward earning structure of 10 points per dollar at most brands, with elite members earning up to 120% bonus points on top of base earnings. Members earn points on eligible stays and can redeem for free night awards starting at 5,000 points, with dynamic pricing based on room rates. The fifth night free benefit on standard award stays of 5+ nights offers exceptional value, effectively a 20% discount on longer redemptions. The program features five elite tiers (Member, Silver, Gold, Diamond, and Diamond Reserve) with benefits including room upgrades, executive lounge access, free breakfast (Gold and above), and milestone bonuses. Elite status can be earned through paid nights, stays, or qualifying spend, with credit card holders receiving automatic Gold or Diamond status.
Reviews & Analysis
The Hilton Honors American Express Business Card is a good option for Hilton loyalists, especially if you are near the 5/24 limit. Although points may hold lower value, frequent visits can justify this card’s extras.
This card can be a good choice for Hilton loyalists, those nearing their 5/24 limit, and anyone hoping to redeem a free night (or more) at a Hilton property using the welcome offer points. However, it can be deceptive — though that’s true of many Hilton co-branded cards. Hilton point redemptions tend to require more points than other hotel chains. The standard **welcome offer is 130,000 points**, which might sound high, but we value Hilton points at about 0.6 cents each, making the welcome offer worth approximately $780. That still seems decent, but in cities or during peak travel season, those 130,000 points may only cover one or two nights. If you’re traveling to a smaller city or during off-peak times, you’ll get more out of these points. However, they’re generally not as valuable as points from a hotel chain like Hyatt.
Details & Terms
| Purchase APR | 19.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Hilton Honors points are valued at approximately 0.4-0.7 cents each, depending on redemption. Standard rooms average 0.5 cpp, while luxury properties and experiences can exceed 2 cpp. Dynamic pricing means value varies significantly by property and date.
Yes, Hilton Honors points expire after 24 months of account inactivity. Any qualifying activity (stays, points earning, or card usage) resets the 24-month clock. Holding an active Hilton Honors credit card keeps your account active.
Media & Resources
| Source | Date | URL |
|---|---|---|
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$550
Annual Fee
150,000
Hotel · Welcome Bonus
12X
Top Rate
Annual Fee
$550
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
—
Rewards Currency
Hilton Honors
Point Valuation
0.4–0.5 cpp (mid: 0.5)
Credit Required
Good to Excellent
Welcome Offer
150,000
Hotel
Spend $6,000 in the first 6 months
Hilton Hotels
12X points at hotels and resorts in the Hilton portfolio
Dining
6X points at restaurants worldwide
Flights
Flights booked directly with airlines
Gas Stations
6X points at U.S. gas stations
Car Rentals
6X points on car rentals
Wireless Services
6X points on U.S. wireless telephone services
Benefits & Perks
Program & Transfers
More ways to earn. More ways to stay.
Hilton Honors is one of the world's largest hotel loyalty programs, with over 9,000 properties across 25 brands in 138 countries. The program offers a straightforward earning structure of 10 points per dollar at most brands, with elite members earning up to 120% bonus points on top of base earnings. Members earn points on eligible stays and can redeem for free night awards starting at 5,000 points, with dynamic pricing based on room rates. The fifth night free benefit on standard award stays of 5+ nights offers exceptional value, effectively a 20% discount on longer redemptions. The program features five elite tiers (Member, Silver, Gold, Diamond, and Diamond Reserve) with benefits including room upgrades, executive lounge access, free breakfast (Gold and above), and milestone bonuses. Elite status can be earned through paid nights, stays, or qualifying spend, with credit card holders receiving automatic Gold or Diamond status.
Reviews & Analysis
The Hilton Honors American Express Business Card is a good option for Hilton loyalists, especially if you are near the 5/24 limit. Although points may hold lower value, frequent visits can justify this card’s extras.
This card can be a good choice for Hilton loyalists, those nearing their 5/24 limit, and anyone hoping to redeem a free night (or more) at a Hilton property using the welcome offer points. However, it can be deceptive — though that’s true of many Hilton co-branded cards. Hilton point redemptions tend to require more points than other hotel chains. The standard **welcome offer is 130,000 points**, which might sound high, but we value Hilton points at about 0.6 cents each, making the welcome offer worth approximately $780. That still seems decent, but in cities or during peak travel season, those 130,000 points may only cover one or two nights. If you’re traveling to a smaller city or during off-peak times, you’ll get more out of these points. However, they’re generally not as valuable as points from a hotel chain like Hyatt.
Details & Terms
| Purchase APR | 19.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Hilton Honors points are valued at approximately 0.4-0.7 cents each, depending on redemption. Standard rooms average 0.5 cpp, while luxury properties and experiences can exceed 2 cpp. Dynamic pricing means value varies significantly by property and date.
Yes, Hilton Honors points expire after 24 months of account inactivity. Any qualifying activity (stays, points earning, or card usage) resets the 24-month clock. Holding an active Hilton Honors credit card keeps your account active.
Media & Resources
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Total face value: $1,289
Estimated annual value: $773
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $400 Hilton resort credit | $400/Every 6 months | Statement Credit | Every 6 months | |
| $189 CLEAR Plus credit | $189 | Statement Credit | — | |
| $100 property credit | $100 | Statement Credit | — | |
| $200 flight credit | $50/Quarterly | Airlines | Quarterly |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Enjoy Gold Elite status with 80% bonus points, room upgrades, late checkout, and complimentary breakfast at select brands
Combined Protection Value
$24,901
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
Fixing a cracked screen can be expensive. With Cell Phone Protection, you can be reimbursed, the lesser of, your cost to repair or replace your
Deductible: 50
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Coverage for damage or theft of rental vehicles when you decline the rental agency's insurance
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Waldorf Astoria Maldives Ithaafushi | 150,000 | — | — | — |
| Conrad Maldives Rangali Island | 120,000 | — | — | — |
| Waldorf Astoria Los Cabos Pedregal | 120,000 | — | — | — |
| Grand Wailea, A Waldorf Astoria Resort | 110,000 | — | — | — |
| Waldorf Astoria Beverly Hills | 120,000 | — | — | — |
| Conrad Algarve | 59,000 | — | — | — |
| Roku Kyoto, LXR | 70,000 | — | — | — |
| Waldorf Astoria Seychelles Platte Island | 100,000 | — | — | — |
| Hampton Inn & Suites by Hilton Paraiso, Mexico | 20,000 | — | — | — |
| Hilton Honors Experiences (Luxury Spa/Dining) | 10,000 | — | — | — |
| Canopy by Hilton (Select European Properties) | 50,000 | — | — | — |
The Hilton Honors American Express Business Card offers up to $240 in statement credits each year on purchases made directly with Hilton properties. At first glance, this benefit alone may justify the **$195 annual fee**. However, these credits are split into $60 increments each quarter, so if you don’t stay at Hilton at least once every quarter, you will need to get creative to use them.
Here are some highlights of this card’s features:
- Complimentary Hilton Honors Gold status (Hilton’s second-highest tier)
- National Car Rental Emerald Club Executive status
- Fifth night free benefit when you book an award stay of five or more nights
Another noteworthy perk is the **5x points multiplier on all purchases**, up to $100,000 annually. This can help you build your points balance faster as you work toward the welcome offer, which requires spending $8,000 in the first six months.
Here are some reasons this card may not be right for you:
- It doesn’t offer a free night certificate each year.
- The benefits are less valuable if you don’t stay at Hilton properties regularly.
- If you only want the welcome offer, the 5x points benefit isn’t particularly valuable beyond meeting the spending requirement.
- You won’t benefit from Hilton or National Car Rental statuses.
**Quality hotels but points go fast with high per night point cost.**
- Amex’s one-card-per-lifetime rule makes it difficult to accrue Hilton points using Hilton cards exclusively.
- Hilton is part of the Amex partner reward system and at 1:2 is a decent transfer value.
- Hilton has high quality hotels and excellent coverage both in the US and internationally.
- We recommend this system as more of a filler. Either as a specific destination or an upscale IHG when no Hyatt stays are available.
The Hilton Honors Amex Business Card is the only Hilton business option that won’t count against your 5/24 status. Three personal Hilton Honors cards are also available:
- **Hilton Honors (No Annual Fee):** Few perks and a lower 80,000-point sign-up bonus (requires $1,000 in spending).
- **Hilton Honors Surpass:** $150 annual fee, a 130,000-point sign-up bonus (requires $2,000 in spending over six months), complimentary Hilton Honors Gold status, and $200 in statement credits ($50 each quarter).
- **Hilton Honors Aspire:** $550 annual fee, a 150,000-point sign-up bonus (requires $4,000 in purchases), complimentary Diamond status, $400 in Hilton credits ($200 twice per year), $200 in flight credits ($50 each quarter), and a $199 Clear Plus credit.
Choose based on how often you stay at Hilton properties and which benefits matter most to you.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$773.40
Annual Fee
-$550
Net Annual Value
+$223.40
The fifth night free benefit applies only to Silver elite members and above on standard room reward stays of 5+ consecutive nights booked entirely with points. Premium room awards, paid stays, and paid+points bookings do not qualify.
Yes. The Hilton Honors Surpass and Business cards grant automatic Gold status (25 elite nights, 80% bonus points). The Hilton Honors Aspire card grants automatic Diamond status (50 elite nights, 100% bonus points). These cards also provide elite night credits toward higher tiers.
Hilton Honors points can be transferred to other member accounts through pooling (max 11 members) or to most American Express Membership Rewards cards at a 2:1 ratio (2 Hilton points = 1 Membership Rewards point). New members must wait 30 days before using pooling.
Hilton operates 24 brands including luxury (Waldorf Astoria, Conrad, LXR), upper-midscale (Canopy, Signia, DoubleTree), midscale (Hilton, Curio), and economy (Hampton, Tru, Spark). All brands participate in Hilton Honors earning and elite benefits.
Hilton uses dynamic award pricing where nightly point costs adjust based on market demand and cash rates. Standard room awards currently cap at 150,000 points/night. Premium room awards on unavailable dates can exceed 1 million points and should generally be avoided.
Yes. Booking through third-party travel agencies (Expedia, Booking.com, etc.) does not earn Hilton Honors points or elite night credits. You must book through Hilton.com, the Hilton Honors app, or call the direct reservations line.
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Total face value: $1,289
Estimated annual value: $773
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $400 Hilton resort credit | $400/Every 6 months | Statement Credit | Every 6 months | |
| $189 CLEAR Plus credit | $189 | Statement Credit | — | |
| $100 property credit | $100 | Statement Credit | — | |
| $200 flight credit | $50/Quarterly | Airlines | Quarterly |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Enjoy Gold Elite status with 80% bonus points, room upgrades, late checkout, and complimentary breakfast at select brands
Combined Protection Value
$24,901
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
Fixing a cracked screen can be expensive. With Cell Phone Protection, you can be reimbursed, the lesser of, your cost to repair or replace your
Deductible: 50
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Coverage for damage or theft of rental vehicles when you decline the rental agency's insurance
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Waldorf Astoria Maldives Ithaafushi | 150,000 | — | — | — |
| Conrad Maldives Rangali Island | 120,000 | — | — | — |
| Waldorf Astoria Los Cabos Pedregal | 120,000 | — | — | — |
| Grand Wailea, A Waldorf Astoria Resort | 110,000 | — | — | — |
| Waldorf Astoria Beverly Hills | 120,000 | — | — | — |
| Conrad Algarve | 59,000 | — | — | — |
| Roku Kyoto, LXR | 70,000 | — | — | — |
| Waldorf Astoria Seychelles Platte Island | 100,000 | — | — | — |
| Hampton Inn & Suites by Hilton Paraiso, Mexico | 20,000 | — | — | — |
| Hilton Honors Experiences (Luxury Spa/Dining) | 10,000 | — | — | — |
| Canopy by Hilton (Select European Properties) | 50,000 | — | — | — |
The Hilton Honors American Express Business Card offers up to $240 in statement credits each year on purchases made directly with Hilton properties. At first glance, this benefit alone may justify the **$195 annual fee**. However, these credits are split into $60 increments each quarter, so if you don’t stay at Hilton at least once every quarter, you will need to get creative to use them.
Here are some highlights of this card’s features:
- Complimentary Hilton Honors Gold status (Hilton’s second-highest tier)
- National Car Rental Emerald Club Executive status
- Fifth night free benefit when you book an award stay of five or more nights
Another noteworthy perk is the **5x points multiplier on all purchases**, up to $100,000 annually. This can help you build your points balance faster as you work toward the welcome offer, which requires spending $8,000 in the first six months.
Here are some reasons this card may not be right for you:
- It doesn’t offer a free night certificate each year.
- The benefits are less valuable if you don’t stay at Hilton properties regularly.
- If you only want the welcome offer, the 5x points benefit isn’t particularly valuable beyond meeting the spending requirement.
- You won’t benefit from Hilton or National Car Rental statuses.
**Quality hotels but points go fast with high per night point cost.**
- Amex’s one-card-per-lifetime rule makes it difficult to accrue Hilton points using Hilton cards exclusively.
- Hilton is part of the Amex partner reward system and at 1:2 is a decent transfer value.
- Hilton has high quality hotels and excellent coverage both in the US and internationally.
- We recommend this system as more of a filler. Either as a specific destination or an upscale IHG when no Hyatt stays are available.
The Hilton Honors Amex Business Card is the only Hilton business option that won’t count against your 5/24 status. Three personal Hilton Honors cards are also available:
- **Hilton Honors (No Annual Fee):** Few perks and a lower 80,000-point sign-up bonus (requires $1,000 in spending).
- **Hilton Honors Surpass:** $150 annual fee, a 130,000-point sign-up bonus (requires $2,000 in spending over six months), complimentary Hilton Honors Gold status, and $200 in statement credits ($50 each quarter).
- **Hilton Honors Aspire:** $550 annual fee, a 150,000-point sign-up bonus (requires $4,000 in purchases), complimentary Diamond status, $400 in Hilton credits ($200 twice per year), $200 in flight credits ($50 each quarter), and a $199 Clear Plus credit.
Choose based on how often you stay at Hilton properties and which benefits matter most to you.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$773.40
Annual Fee
-$550
Net Annual Value
+$223.40
The fifth night free benefit applies only to Silver elite members and above on standard room reward stays of 5+ consecutive nights booked entirely with points. Premium room awards, paid stays, and paid+points bookings do not qualify.
Yes. The Hilton Honors Surpass and Business cards grant automatic Gold status (25 elite nights, 80% bonus points). The Hilton Honors Aspire card grants automatic Diamond status (50 elite nights, 100% bonus points). These cards also provide elite night credits toward higher tiers.
Hilton Honors points can be transferred to other member accounts through pooling (max 11 members) or to most American Express Membership Rewards cards at a 2:1 ratio (2 Hilton points = 1 Membership Rewards point). New members must wait 30 days before using pooling.
Hilton operates 24 brands including luxury (Waldorf Astoria, Conrad, LXR), upper-midscale (Canopy, Signia, DoubleTree), midscale (Hilton, Curio), and economy (Hampton, Tru, Spark). All brands participate in Hilton Honors earning and elite benefits.
Hilton uses dynamic award pricing where nightly point costs adjust based on market demand and cash rates. Standard room awards currently cap at 150,000 points/night. Premium room awards on unavailable dates can exceed 1 million points and should generally be avoided.
Yes. Booking through third-party travel agencies (Expedia, Booking.com, etc.) does not earn Hilton Honors points or elite night credits. You must book through Hilton.com, the Hilton Honors app, or call the direct reservations line.
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Total face value: $1,289
Estimated annual value: $773
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $400 Hilton resort credit | $400/Every 6 months | Statement Credit | Every 6 months | |
| $189 CLEAR Plus credit | $189 | Statement Credit | — | |
| $100 property credit | $100 | Statement Credit | — | |
| $200 flight credit | $50/Quarterly | Airlines | Quarterly |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Enjoy Gold Elite status with 80% bonus points, room upgrades, late checkout, and complimentary breakfast at select brands
Combined Protection Value
$24,901
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Reimbursement for purchases damaged, stolen, or lost within 90 days. Premium cards up to $10K/item, $50K annual max.
Fixing a cracked screen can be expensive. With Cell Phone Protection, you can be reimbursed, the lesser of, your cost to repair or replace your
Deductible: 50
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 5 years or less.
Coverage for damage or theft of rental vehicles when you decline the rental agency's insurance
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Waldorf Astoria Maldives Ithaafushi | 150,000 | — | — | — |
| Conrad Maldives Rangali Island | 120,000 | — | — | — |
| Waldorf Astoria Los Cabos Pedregal | 120,000 | — | — | — |
| Grand Wailea, A Waldorf Astoria Resort | 110,000 | — | — | — |
| Waldorf Astoria Beverly Hills | 120,000 | — | — | — |
| Conrad Algarve | 59,000 | — | — | — |
| Roku Kyoto, LXR | 70,000 | — | — | — |
| Waldorf Astoria Seychelles Platte Island | 100,000 | — | — | — |
| Hampton Inn & Suites by Hilton Paraiso, Mexico | 20,000 | — | — | — |
| Hilton Honors Experiences (Luxury Spa/Dining) | 10,000 | — | — | — |
| Canopy by Hilton (Select European Properties) | 50,000 | — | — | — |
The Hilton Honors American Express Business Card offers up to $240 in statement credits each year on purchases made directly with Hilton properties. At first glance, this benefit alone may justify the **$195 annual fee**. However, these credits are split into $60 increments each quarter, so if you don’t stay at Hilton at least once every quarter, you will need to get creative to use them.
Here are some highlights of this card’s features:
- Complimentary Hilton Honors Gold status (Hilton’s second-highest tier)
- National Car Rental Emerald Club Executive status
- Fifth night free benefit when you book an award stay of five or more nights
Another noteworthy perk is the **5x points multiplier on all purchases**, up to $100,000 annually. This can help you build your points balance faster as you work toward the welcome offer, which requires spending $8,000 in the first six months.
Here are some reasons this card may not be right for you:
- It doesn’t offer a free night certificate each year.
- The benefits are less valuable if you don’t stay at Hilton properties regularly.
- If you only want the welcome offer, the 5x points benefit isn’t particularly valuable beyond meeting the spending requirement.
- You won’t benefit from Hilton or National Car Rental statuses.
**Quality hotels but points go fast with high per night point cost.**
- Amex’s one-card-per-lifetime rule makes it difficult to accrue Hilton points using Hilton cards exclusively.
- Hilton is part of the Amex partner reward system and at 1:2 is a decent transfer value.
- Hilton has high quality hotels and excellent coverage both in the US and internationally.
- We recommend this system as more of a filler. Either as a specific destination or an upscale IHG when no Hyatt stays are available.
The Hilton Honors Amex Business Card is the only Hilton business option that won’t count against your 5/24 status. Three personal Hilton Honors cards are also available:
- **Hilton Honors (No Annual Fee):** Few perks and a lower 80,000-point sign-up bonus (requires $1,000 in spending).
- **Hilton Honors Surpass:** $150 annual fee, a 130,000-point sign-up bonus (requires $2,000 in spending over six months), complimentary Hilton Honors Gold status, and $200 in statement credits ($50 each quarter).
- **Hilton Honors Aspire:** $550 annual fee, a 150,000-point sign-up bonus (requires $4,000 in purchases), complimentary Diamond status, $400 in Hilton credits ($200 twice per year), $200 in flight credits ($50 each quarter), and a $199 Clear Plus credit.
Choose based on how often you stay at Hilton properties and which benefits matter most to you.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$773.40
Annual Fee
-$550
Net Annual Value
+$223.40
The fifth night free benefit applies only to Silver elite members and above on standard room reward stays of 5+ consecutive nights booked entirely with points. Premium room awards, paid stays, and paid+points bookings do not qualify.
Yes. The Hilton Honors Surpass and Business cards grant automatic Gold status (25 elite nights, 80% bonus points). The Hilton Honors Aspire card grants automatic Diamond status (50 elite nights, 100% bonus points). These cards also provide elite night credits toward higher tiers.
Hilton Honors points can be transferred to other member accounts through pooling (max 11 members) or to most American Express Membership Rewards cards at a 2:1 ratio (2 Hilton points = 1 Membership Rewards point). New members must wait 30 days before using pooling.
Hilton operates 24 brands including luxury (Waldorf Astoria, Conrad, LXR), upper-midscale (Canopy, Signia, DoubleTree), midscale (Hilton, Curio), and economy (Hampton, Tru, Spark). All brands participate in Hilton Honors earning and elite benefits.
Hilton uses dynamic award pricing where nightly point costs adjust based on market demand and cash rates. Standard room awards currently cap at 150,000 points/night. Premium room awards on unavailable dates can exceed 1 million points and should generally be avoided.
Yes. Booking through third-party travel agencies (Expedia, Booking.com, etc.) does not earn Hilton Honors points or elite night credits. You must book through Hilton.com, the Hilton Honors app, or call the direct reservations line.
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Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a
Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Coverage for accidental damage or theft within 90 days of purchase
Reimbursement for lost or damaged luggage in excess of carrier coverage
Reimbursement up to $300 per item if merchant refuses to accept return within 90 days
Adds one year of warranty coverage to eligible items purchased with the card
Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a
Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Coverage for accidental damage or theft within 90 days of purchase
Reimbursement for lost or damaged luggage in excess of carrier coverage
Reimbursement up to $300 per item if merchant refuses to accept return within 90 days
Adds one year of warranty coverage to eligible items purchased with the card
Despite our best efforts, sometimes things happen that are out of our control. If you purchase a round trip entirely with your Eligible Card and a
Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason
Reimbursement up to $300/item ($1K annually) when merchant won't accept return within 90 days. Premium cards only.
Coverage for accidental damage or theft within 90 days of purchase
Reimbursement for lost or damaged luggage in excess of carrier coverage
Reimbursement up to $300 per item if merchant refuses to accept return within 90 days
Adds one year of warranty coverage to eligible items purchased with the card
