Why the Hilton Honors Amex Card Stands Out This Spring
Zero annual fee and solid rewards for Hilton fans, but watch out for that APR. Is it the travel card for you?
The Quick Version
The Hilton Honors American Express Card is a no-brainer for frequent Hilton guests, thanks to its $0 annual fee and rewarding points structure. However, if you're not loyal to Hilton or wary of high APRs, you might want to keep looking.
Hilton Honors American Express Card
Hilton Honors American Express Card overview
Hilton Honors American Express Card
The Fine Print
Expect an APR between 22.49% and 29.49%, variable based on your creditworthiness. The card charges no annual fee and offers up to 7x points on Hilton purchases, 5x on dining, groceries, and gas, and 3x on other purchases. Just don't take it overseas, as there are foreign transaction fees.
What's Actually Good
For a £0 annual fee card, the Hilton Honors Amex delivers hefty rewards. Earning up to 7x points on Hilton stays can significantly cut down your travel costs if you're a regular. Plus, the 5x points on dining and groceries make it a decent everyday card.
The Catch
The high APR range is a glaring issue. Carrying a balance could quickly become expensive, overshadowing the rewards. Additionally, the card's value diminishes if you're not frequently staying at Hilton properties.
Who Should Apply
If you have a credit score of 670 or above, often stay at Hilton hotels, and pay off your balance monthly, this card is a strong contender. However, if you travel internationally or prefer other hotel brands, consider alternatives.
The Bottom Line
For Hilton loyalists with good credit who don’t carry balances, this card offers excellent rewards without an annual fee. Looking for more options? Check out The Best Rewards Credit Cards for 2026: Find Your Perfect Match.
