LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Hilton Honors American Express Card Review

American ExpressAmexTravelNo annual fee

Hilton Honors American Express Card earned 4.1 / 5 in our 2026 review. The Hilton Honors American Express Card earns 7x on hilton hotels with no annual fee, a 80,000 Hilton Honors bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
American Express Hilton Honors American Express Card credit card
Apply at American Express Compare all cards
TL;DR
Annual fee
$0
Signup bonus
$480
Top reward rate
7x on hilton hotels
Intro APR
None
Issuer
American Express
Network
Amex
Min credit score
670
Fintiex rating
4.1 / 5
Pros
  • +7x Hilton Honors points at Hilton portfolio hotels and resorts
  • +5x on restaurants, U.S. supermarkets, and U.S. gas stations
  • +3x on all other eligible purchases
  • +Automatic Hilton Honors Silver status
  • +No annual fee
  • +No foreign transaction fees
  • +80,000 bonus points after spending $2,000 in first 6 months
  • +Complimentary 5th reward night free when booking with points
Cons
  • -Hilton points worth only ~0.6 cents each (less than most competitors)
  • -Silver status offers minimal perks vs. Gold or Diamond
  • -Redemption value can be poor compared to transferable points programs
  • -Not accepted everywhere Visa/Mastercard are

Rewards detail

hilton hotels
7x
dining
5x
groceries
5x
gas
5x
everything else
3x

Fintiex values American Express points at about 0.60 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$0
Purchase APR
20.99% to 29.99%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
20.99% to 29.99%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Hilton Honors American Express Card is built for people who want a travel or no annual fee card. Most approvals land at FICO 670 and above, but issuers prefer scores near 700. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→

Frequently asked questions

Does the Hilton Honors American Express Card have a foreign transaction fee?
No. The Hilton Honors American Express Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Hilton Honors American Express Card?
Approvals typically start around a FICO score of 670, but American Express prefers 700 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Hilton Honors American Express Card signup bonus?
New cardholders earn 80,000 Hilton Honors bonus points after spending $2,000 in the first few months. Fintiex values that at about $480 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Hilton Honors American Express Card have a 0% intro APR offer?
No. The Hilton Honors American Express Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 20.99% to 29.99%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Hilton Honors American Express Card?
$0. The Hilton Honors American Express Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Hilton Honors American Express Card worth it?
Fintiex rates the Hilton Honors American Express Card 4.1 out of 5 for 2026. It is best for travel and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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