Hilton Honors

Hilton Honors

American ExpressNo annual feeNo foreign transaction feeIssuer's page

Already have it? Keep it open: it holds a perk or an upgrade path at no cost.

Welcome bonus

70,000points

+ 1 Free Night Award

after $2,000 in purchases in the first 6 months

Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?

Ask Miles about this cardApply at American Express
Compare

Miles' first-year value is unavailable right now.

Earning

Ranked by how much of a typical year's spending each rate covers. Return is each rate at Miles' value of 0.35¢ a point. Rates in medium weight return more than the 2% benchmark.
RateCategoryReturn
5XUS Grocery Stores1.8%
5XUS Dining1.8%
5XUS Gas Stations1.8%
7XHilton purchases2.4%
3XEverything else1%

Personal card · Earns Hilton Honors

Is this the best card for US Grocery Stores?Is this the best card for US Dining?Is this the best card for US Gas Stations?

Benefits

Elite status (2)
  • Hilton Honors: Silver
  • Hilton Honors: Gold
Protections (4)
  • Baggage Insurance, up to $1,250, Coverage for lost, damaged, or stolen baggage. Up to $1,250 for carry-on and up to $500 for checked baggage per person, in excess of carrier coverage. Pay for the full cost of transportation with your Amex card.
  • Purchase Protection, up to $1,000, 90 days coverage for theft/damage
  • Extended Warranty, Extends warranty by up to 1 year
  • Car Rental Insurance (secondary), up to $50,000, Secondary coverage up to $50,000 for rental car damage/theft (primary coverage available for additional fee). Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Australia, Italy, New Zealand.

The Hilton Honors Personal family

Sources and methodology

First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.

Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.

The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.

Recent changes

  • changed from Limited Time Offer: 70K bonus points plus a free night reward after you spend $2K in purchases within the first six months of card membership. Terms apply. (Offer Expires 1/13/2027) to Limited Time Offer: Earn 70K bonus points plus a free night reward after you spend $2K in purchases on the card in the first 6 months of card membership. Terms apply. (Offer Expires 1/13/2027)
    Oct 21, 2026
  • changed from Limited Time Offer: 70K bonus points plus a free night reward after you spend $2K in purchases within the first six months of card membership. Terms apply. Rates & Fees (Offer Expires 1/13/2027) + free night certificate to Limited Time Offer: 70K bonus points plus a free night reward after you spend $2K in purchases within the first six months of card membership. Terms apply. (Offer Expires 1/13/2027)
    Oct 11, 2026
  • changed from null to Hilton Honors
    Oct 8, 2026
  • changed from 80K bonus points after you spend $2K in purchases on the card in the first 6 months of card Membership. Terms apply. Rates & Fees to Limited Time Offer: 70K bonus points plus a free night reward after you spend $2K in purchases within the first six months of card membership. Terms apply. Rates & Fees (Offer Expires 1/13/2027) + free night certificate
    Sep 10, 2026
  • changed from null to 2027-01-13
    Sep 10, 2026
  • changed from null to credit
    Sep 2, 2026
  • changed from null to 2000
    Aug 13, 2026
  • changed from null to 180
    Aug 13, 2026
  • changed from 100K bonus points and a $100 statement credit after you spend $2K in purchases on the card in the first 6 months of card Membership. Terms apply. Rates & Fees to 80K bonus points after you spend $2K in purchases on the card in the first 6 months of card Membership. Terms apply. Rates & Fees
    Jul 30, 2026
  • changed from 100K bonus points and a $100 statement credit after you spend $2K in purchases on the card in the first 6 months of card Membership. Terms apply. Rates & Fees (Offer Expires 7/29/2026) to 100K bonus points and a $100 statement credit after you spend $2K in purchases on the card in the first 6 months of card Membership. Terms apply. Rates & Fees
    Jul 30, 2026
  • was 2026-07-29, removed
    Jul 30, 2026
Last updated: October 20, 2026