The 6 Best Hilton Credit Card Benefits
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Hilton Honors has a handful of co-branded consumer credit cards, ranging from a no-fee to a high-fee card, each with benefits that could prove valuable to Hilton loyalists and even travelers who stay in hotels a few times a year.
Hilton credit card benefits can include:
Perks specific to the greater portfolio of Hilton hotels and resorts (hello, elite status).
General travel perks like airport lounge access.
Travel protections, such as car rental loss and damage protection.
And each card comes with its own unique perks and rewards, too.
Here's help to decide which card is right for you and a look at the benefits each brings to the table.
» Learn more: The best hotel credit cards right now
All Hilton Honors credit cards are issued by American Express and credit card spending rewards are earned in Hilton Honors points, the currency of Hilton’s loyalty program. No matter which card you have, all purchases earn at least three Hilton Honors points per dollar spent. Terms apply.
Each card will net you different bonus rates, too. For example, spending in specific categories, like restaurants or gas stations, can earn you more than three points per dollar spent. Terms apply.
In addition, each card offers a different welcome bonus for new cardholders. Between the welcome bonus and ongoing rewards, it’s possible to accumulate enough points for stays of one night or more at properties under the Hilton umbrella.
» Learn more: The Best Hilton credit card strategy
1. New cardholder bonus
Though higher-tier cards provide better welcome offers for new cardholders, even Hilton’s no annual fee card carries an introductory bonus worth one or more nights at select Hilton-branded properties.
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.
Annual fee: $0 (see rates and fees).
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025. Terms Apply.
Annual fee: $150 (see rates and fees).
Welcome offer: Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Terms Apply.
Annual fee: $550.
According to NerdWallet valuations, Hilton Honors points are worth 0.6 cent apiece.
2. Ongoing rewards
All purchases on Hilton credit cards earn a minimum of three Hilton Honors points per dollar spent, but each card has its own earning structure with bonus points in specific spending categories:
Hilton Honors American Express Card
7 points per $1 spent at participating Hilton hotels and resorts.
5 points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
3 points per $1 spent on all other eligible purchases.
Hilton Honors American Express Surpass® Card
12 points per $1 spent at participating Hilton hotels and resorts.
6 points per $1 spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
4 points per $1 spent on U.S. online retail.
3 points per $1 spent on all other eligible purchases.
Hilton Honors American Express Aspire Card
14 points per $1 spent at participating Hilton hotels and resorts.
7 points per $1 spent on airfare, select car rentals and at U.S. restaurants.
3 points per $1 spent on all other eligible purchases.
These credit card points are in addition to the points earned from being a Hilton Honors program member. Terms apply.
» Learn more: Top reasons to join Hilton Honors
3. Elite status
Elite status can entail benefits like room upgrades, such as this upgrade to a private splash pool suite at the Conrad Punta de Mita. (Photo by Sally French)
Hilton credit card benefits also include fast tracks to elite status. All three cards include Hilton status, which come with perks specific to properties under the Hilton portfolio.
Hilton Honors™ Silver Status
With the Hilton Honors American Express Card, get automatic Hilton Honors™ Silver Status, which typically is given to those who have banked seven nights, three stays or 17,500 Base Points. Status includes:
20%-point bonus on base points earned during stays.
Two free bottles of water per stay.
Eligibility to participate in Hilton Honor’s fifth night free program.
» Learn more: Which hotels offer an extra free night on award stays?
Hilton Honors™ Gold Status
The Hilton Honors American Express Surpass® Card gives you this level, equal to loyalty members who bank 28 nights, 14 stays or 52,500 Base Points per year. Highlights of Hilton Gold status include:
80% point bonus on base points earned during stays.
Space available room upgrades.
On-property dining credits and more.
Hilton Honors™ Diamond Status
Top status in Hilton Honors is usually reserved for those who accumulate a total of 42 nights, 21 stays or 84,000 Base Points per year. However, it’s automatically granted to those with the Hilton Honors American Express Aspire Card. Diamond status grants:
100% point bonus on base points earned during stays.
Executive lounge access (where available).
Space-available premium upgrades (up to a one-bedroom suite).
On-property dining credits and more.
» Learn more: How to make the most of Hilton Diamond status
4. Anniversary nights
Free night certificates are especially valuable when cash rates are high, such as on Saturday nights at the Waldorf Astoria Las Vegas. (Photo by Sally French)
Those with the Hilton Honors American Express Aspire Card receive a free night reward upon card renewal annually.
The reward can be used for one night of standard accommodation, subject to availability, at properties in the Hilton portfolio. Since a standard room costs vary between 5,000 and 120,000 Hilton Honors points (there's no Hilton points chart), these complimentary reward nights are potentially worth hundreds of dollars.
Cardholders can also earn an additional free night reward by spending $30,000 on theHilton Honors American Express Aspire Card in a calendar year.
Neither the Hilton Honors American Express Surpass® Card nor the Hilton Honors American Express Card grant anniversary rewards. Terms apply.
5. Statement credits
The Hilton Honors American Express Aspire Card also grants a number of annual credits, listed below (terms apply):
A $200 annual credit for airfare (issued as four, $50 quarterly credits).
A $400 Hilton Resort Credit for charges at participating Hilton resorts (issued as two, $200 semi-annual credits).
A $199 Clear Plus membership credit.
A $100 on-property credit at participating Hilton brands, including Waldorf Astoria and Conrad hotels.
6. Travel protections
Travel protections vary by credit card with American Express, but one protection that is found on all three Hilton credit cards is car rental loss and damage insurance.
The Hilton Honors American Express Aspire Card also comes with a baggage insurance plan to protect against lost, stolen or damaged luggage.
None of the Hilton cards charge foreign transaction fees.
More about Hilton credit cards
Photo courtesy of Hilton.
Insurance Benefit: Car Rental Loss & Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Insurance Benefit: Car Rental Loss & Damage Insurance
Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Insurance Benefit: Baggage Insurance Plan
Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by AMEX Assurance Company.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph℠ Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
