Hilton Honors American Express Credit Card Review

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The Hilton Honors no annual fee credit card earns 7x points at Hilton Hotels & Resorts, 5x points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations, and 3x points on all other eligible purchases.

No Annual Fee
Hilton Honors American Express Card
  • Earn 100,000 Points After $1,000 in Purchases in the First 3 Months. Plus, a $100 Statement Credit for Eligible Hilton Purchases in the First 12 Months.
  • 7X Points at Hilton Hotels and Resorts
  • 5X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
  • Complimentary Hilton Honors Silver Status
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
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Terms Apply

Hilton Honors Card Benefits

Hilton Honors Silver Elite Status

Cardmembers earn Hilton Silver elite status, which has limited perks of a 15% points bonus on Hilton stays, two complimentary bottles of water per stay, and a fifth night free on award stays.

Path to Hilton Gold Status

If you spend $20,000 in a calendar year, you can earn an upgrade to Hilton Gold elite status.

Secondary Rental Car Insurance

Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.

Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.

But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.

You still need to maintain liability car insurance to cover damage to another person or property.

Purchase Protection

Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.

For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.

Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.

Extended Warranty

Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 5 years.

Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.

The maximum coverage is $10,000 per item and $50,000 per cardholder.

For example, if you bought a TV with a manufacturer’s warranty of three years, this card would extend the warranty for free to the fourth year.

Amex Offers

This card has access to Amex Offers, which are deals that are linked to your card, allowing you to save money or earn extra points on shopping, dining, and travel.

For example, there could be an offer such as spending $200+ at Marriott Hotels and Resorts and receiving $50 cash back as a statement credit.

You can find all of your Amex Offers by signing into your American Express account. You will need to “Add to Card” each offer to be eligible for the special offer.

Amex Offers

No Foreign Transaction Fees

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.