While there are numerous Hilton credit cards to choose from, the Hilton Honors American Express Surpass® Card is our top pick. With an annual fee of $0 intro annual fee for the first year, then $150, this card boasts an excellent welcome offer, strong earning rates and premium travel benefits.
Credit Cards | Our Ratings | Annual Fee | Welcome Offer | Rewards Rate | |
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Hilton Honors American Express Surpass® Card
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Winner: Best Hilton credit card
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$0 intro annual fee for the first year, then $150 | 130,000 points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
| 3X - 12X points
| |
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Hilton Honors Aspire Card from American Express*
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Best for luxury benefits
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$550 | 175,000 points
Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
| 3X - 14X points
| |
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Hilton Honors American Express Card
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Best for no annual fee
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$0 | 100,000 points
Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
| 3X - 7X points
| |
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The Hilton Honors American Express Business Card
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4.1
Best for business travel
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$195 | 175,000 points
Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
| 3X - 12X points
| |
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The Platinum Card® from American Express
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Best for general premium travel
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$695 | As high as 175,000 points
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
| 5X points
| |
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American Express® Gold Card
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Best to transfer points to Hilton
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$325 | As high as 100,000 points
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
| 1X - 4X points
|
To bring you the best Hilton credit cards and travel cards to use for Hilton, we looked at how Hilton and general travel cards with Hilton benefits stacked up. We use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.
We rank cards based on the following criteria:
We calculate the value of rewards and perks for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We consider how easy the rewards are to use, looking at factors like expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options like travel statement credits and cash back.
We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits against benefits from other cards.
Note that our ratings are a starting point for comparing and choosing the best Hilton credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s bonus categories and which benefits you value to choose the best card for you.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: 130,000 points
The Hilton Honors American Express Surpass® Card is our pick because it offers an outstanding welcome offer, generous earning rate and valuable perks — all for a reasonable annual fee. You’ll get access to benefits like a Free Night Reward after $15,000 spent in a calendar year, up to $200 Hilton credit annually (up to $50 statement credits per quarter) on eligible purchases, complimentary Hilton Honors Gold status (which includes an 80% points bonus on stays, daily food and beverage credits and more), a pathway to top-tier Diamond status* and more.
Plus, since U.S. restaurants, U.S. supermarkets and U.S. gas stations are categories where many people spend a lot, the ability to get 6 points for every dollar spent is another nice feature.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: 175,000 points
While the Hilton Honors Aspire Card from American Express does come with a $550 annual fee, it’s also packed full of benefits — including top-tier Hilton Diamond elite status* (which comes with a 100% points earning bonus on stays), up to $400 (up to $200 semi-annually) in statement credits for Hilton resort purchases, executive lounge access, premium Wi-Fi, a free night award every year and much more. Cardholders also get up to a $199 each year toward CLEAR Plus membership*, up to $200 per year ($50 quarterly) in incidental flight credits* and a $100 on-property credit for eligible two-night stays at participating Waldorf Astoria and Conrad Hotels and Resorts properties.
You can more than make up for the annual fee if you utilize the generous cardholder benefits, and remember that you also earn generous rewards with this card on paid Hilton hotel stays, airfare, car rentals and more.
The Hilton Honors Aspire Card from American Express is Hilton’s luxury credit card that comes with its highest level of benefits and rewards earning rate: 14X points on eligible purchases at hotels or resorts in the Hilton Portfolio, 7X points on flights booked directly with airlines or amextravel.com, car rentals booked directly from select car rental companies and U.S. restaurants and 3X points on other purchases. You’ll also get the following welcome offer: Earn 175,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: 100,000 points
If you want to boost your balance of Hilton Honors points without paying an annual fee, you might want to look at the Hilton Honors American Express Card. The card offers mediocre travel benefits compared to the other (much pricier) Hilton cards, but you’ll be able to earn a solid rewards rate without paying an annual fee.
You should also note that the card can be useful if you want elite status with the hotel brand. Cardholders get complimentary Hilton Honors Silver status, but they can achieve Gold status when they use their cards for $20,000 in purchases in a calendar year.
The Hilton Honors American Express Card offers a lower welcome offer and earning rate than the mid-level and premium Hilton Honors cards; however, it’s also the only Hilton card that doesn’t charge an annual fee. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: 175,000 points
If you want to earn rewards to help offset the cost of business travel and you frequently stay at Hilton properties, you should look at The Hilton Honors American Express Business Card. Similar to the Hilton Honors American Express Surpass® Card, it comes with a generous welcome offer, complimentary Hilton Honors Gold status and bonus rewards in a range of categories.
Cardholders also get the chance to move up to Hilton Honors Diamond status with $40,000 in purchases charged to their card within a calendar year. The card also comes with up to $240 in Hilton statement credits each year ($60 quarterly) when used for purchases at Hilton properties worldwide.
If you’re a small business owner who travels on a regular basis, you should consider The Hilton Honors American Express Business Card. You’ll earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. Terms & Limitations Apply.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: As high as 175,000 points
If you’re looking for a premium card with luxury benefits but want one that’s more flexible than the Hilton Honors Aspire Card from American Express, The Platinum Card® from American Express is a good option. Along with redeeming your Membership Rewards points for travel, statement credits and more, points can be transferred to American Express travel partners — which include the Hilton Honors loyalty program.
While The Platinum Card® from American Express does come with a hefty $695 annual fee, it also comes with Hilton Honors Gold elite status*, one of the largest collections of airport lounges around and a variety of valuable travel credits.
Because you can transfer American Express Membership Rewards points to Hilton Honors points at a rate of 1:2, the four Hilton American Express cards are not your only options for boosting your Hilton Honors point balance. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Also, earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel® on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel®. Terms apply. Other purchases made with the card earn the standard rate of 1X points.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Welcome offer: As high as 100,000 points
If you prefer earning flexible card rewards instead of being tied down to only earning Hilton points, but can’t justify the high fee of The Platinum Card® from American Express, you may want to consider the American Express® Gold Card. This card offers exceptional rewards for food purchases of all kinds, and it comes with a generous welcome offer to boot.
The American Express® Gold Card also lets you transfer your rewards to a variety of airline and hotel programs, including Hilton. However, the card doesn’t offer any Hilton-specific benefits.
The American Express® Gold Card is another card that earns Membership Rewards points that can be transferred to Hilton Honors at a rate of 1:2. Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. Terms apply.
There’s also a great welcome offer: You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Hilton Honors credit cards are geared to frequent travelers who stay in Hilton hotel or resort properties at least a few times per year. We say this because all cards come with the lowest level of elite status (Hilton Honors Silver*) at a minimum, and because several of the cards offer annual statement credits for purchases at Hilton properties.
Hilton credit cards also offer their highest rewards rates for paid hotel stays with the brand, so they are ideal for consumers who pay for stays at any of Hilton’s 8,000+ hotels and resorts around the world.
Still, you should compare Hilton credit cards to find the right fit. The chart below reveals which card to consider based on your goals.
Consider this card | If you… |
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Hilton Honors American Express Surpass® Card | Want to earn a generous amount of Hilton points with only a reasonable annual fee. |
Hilton Honors Aspire Card from American Express** | Plan to take advantage of the card’s premium benefits to help offset the card’s high annual fee. |
Hilton Honors American Express Card | Want to boost your Hilton Honors rewards balance without paying an annual fee |
The Hilton Honors American Express Business Card | Are a small business owner who regularly travels for work. |
LendingTree data shows that Hilton Honors points are worth an average of 0.5 cents (half of one cent) each, so 10,000 Hilton points are worth roughly $50. This means if you’re receiving 0.5 cent per point or better for an award stay, it’s worth using points rather than paying cash.
To determine the value you are getting for your points, use the following formula:
For example: If the cash price for a hotel stay you want is $300 and booking with rewards would cost you 60,000 points, for example, the formula would look like this: $300 ÷ 60,000 points = 0.005
With this redemption, each point is worth half a cent (0.5 cents) each, or the average point value for Hilton Honors rewards, so it would definitely be worth using points.
That being said, points are for spending. Even if you’re not getting the full half cent value from each point, it may be worth using them if you don’t have any trips planned for quite a while.
Benefits you get with Hilton Honors elite status increase based on the tier of status you can achieve. For example, you get the lowest tier of status (Silver) with the Hilton Honors American Express Card, but this status comes with limited benefits like free bottled water, elite rollover nights, spa discounts at Hilton properties and a fifth night free on award stays. If you work your way to Hilton Diamond status, which you get with the Hilton Honors Aspire Card from American Express, on the other hand, you can enjoy luxury perks like space-available room upgrades, executive lounge access at Hilton properties, 48-hour room guarantees, daily breakfast (or daily food and beverage credits) and more.
Here’s a rundown of the main benefits that come with each elite status tier:
Anyone can sign up to be a Hilton Honors member for free and receive a core set of benefits. This includes the ability to earn points on stays, no resort fees on award stays, free Wi-Fi and access to member-only pricing.
The Hilton Honors American Express Card offers complimentary Hilton Silver elite status and the ability to upgrade to Gold status after spending $20,000 in a calendar year.
Here are a few of the benefits that come with Silver elite status:
Both the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card offer complimentary Gold elite status. Gold elite members get all the perks of Silver status, in addition to the following benefits:
The Hilton Honors Aspire Card from American Express offers complimentary Diamond elite status, which is the highest status that Hilton offers. Diamond elite members get the benefits of all lower levels of status and also receive the following:
Hilton credit cards come with valuable travel benefits like elevated rewards on Hilton hotel stays, no foreign transaction fees and baggage insurance coverage1. Here are a few of the Hilton credit card benefits you might be interested in:
Up to $400 property credit
The Hilton Honors Aspire Card from American Express** includes a posh benefit for those who often stay at Hilton resorts. You’ll get up to $200 semi-annually in statement credits toward eligible purchases at participating Hilton resorts.
Both the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card come with smaller annual credits that apply to on-property Hilton purchases each year.
Up to $200 airline fee credit
The Hilton Honors Aspire Card from American Express** comes with a $200 airline fee credit you can use for incidental charges like seat selection fees, baggage fees or in-flight refreshments after you choose a designated airline at the beginning of the year. This credit is given out quarterly for eligible purchases, in increments of $50.
Up to $100 property credit
The Hilton Honors Aspire Card from American Express** also offers a $100 property credit when you book a stay at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts.
Free night reward
You can earn free night awards with several of the Hilton cards as well. The Hilton Honors Aspire Card from American Express** gives one free night award each year without a spending requirement. The Hilton Honors American Express Surpass® Card gives one free night award if you spend $15,000 on your card in a calendar year.
Baggage insurance
The Hilton Honors Aspire Card from American Express** offers baggage insurance1 for lost, damaged or stolen baggage. The Platinum Card® from American Express and American Express® Gold Card also offer baggage insurance1.
In order to find the right Hilton card, you’ll want to look into the following card benefits and characteristics.
Credit card welcome offers help you earn an influx of points within a short amount of time, and Hilton Honors welcome offers can be worth a few free hotel stays right off the bat. Just remember that you have to meet a minimum spending requirement to qualify for these offers and that you should only pursue bonuses you can easily earn through regular spending and bills.
The ongoing earning rate is another critical feature to consider when choosing a credit card, and the co-branded Hilton credit cards all have a standard earning rate of 3X Hilton Honors points per $1. The Platinum Card® from American Express and the American Express® Gold Card both earn 1X Membership Rewards points per $1 in non-bonus categories, which is effectively 2X Hilton points based on the transfer ratio. If you’re looking strictly for Hilton points, any of the four co-branded cards might be a better choice.
You should also factor in the rewards you can earn for paid Hilton stays and other types of purchases. All of the Hilton credit cards offer elevated earning rates ranging from 5X in select categories to 14X points at Hilton hotels.
The co-branded Hilton cards all earn Hilton Honors points you can redeem for free nights at Hilton hotels and resorts around the world. Other redemption options for Hilton Honors points include experiences (concerts, dining, sporting events and more), Lyft rides, shopping and rental cars.
No matter which of these cards you pick, you have the same redemption options for your Hilton Honors points.
While avoiding annual fees on credit cards makes sense when you want to keep costs down, annual-fee credit cards offer much better rewards and more valuable perks. You should weigh the value of the rewards and benefits against the card’s cost — you may find that you come up much farther ahead with an annual fee card than with a no-annual-fee card.
Let’s say you’re considering the Hilton Honors American Express Surpass® Card with its annual fee of $0 intro annual fee for the first year, then $150. You would need to decide if the benefits are worth it or not, which you can do by adding up the value of the welcome offer and perks like complimentary Hilton Honors Gold status and up to $200 Hilton credit annually (up to $50 statement credits per quarter) on eligible purchases.
There are multiple Hilton credit cards that offer a free night reward as a cardholder perk:
Hilton Honors offers a fifth-night free benefit on award stays to its elite members as a 20% discount off the total number of points required for the stay. All co-branded Hilton credit cards provide some level of Hilton elite status after you enroll in the Hilton Honors program, from lowly Silver with the Hilton Honors American Express Card to top-tier Diamond status from the Hilton Honors Aspire Card from American Express**. Picking any Hilton credit card lets you take advantage of the Hilton fifth-night free benefit.
Only the more premium Hilton credit cards offer travel credits as a perk:
Hilton has a dedicated page where you can buy, gift, pool or transfer points. You’ll need to have an open Hilton Honors account to be able to buy Hilton points for yourself.
You typically need a FICO credit score of at least 670 to 850 to qualify for a Hilton Honors credit card issued directly by the network, which includes the lineup of Hilton cards. Good FICO Scores start at 670, the minimum you may need to be approved. Application approval is always dependent on each individual’s overall credit profile.
You can apply for many of the cards on this page through the “Apply Now” button. You can also go to the Hilton website or the American Express website, or call American Express. After applying, American Express will check your credit score and credit history to see if you qualify and potentially instantly approve you for a new card, sometimes even offering an instant card number.
If you’ve held your Hilton Honors American Express Card for at least 12 months, you may be able to upgrade it to either the Hilton Honors American Express Surpass® Card or the Hilton Honors Aspire Card from American Express**. If you have held your Hilton Honors American Express Surpass® Card for at least 12 months, you may be able to upgrade it to the Hilton Honors Aspire Card from American Express.
You cannot upgrade the Hilton Honors Aspire Card from American Express or The Hilton Honors American Express Business Card. American Express often sends out upgrade offers for their Hilton credit cards.
American Express issues a credit limit on its cards specific to the cardholder. Your individual credit limit will be based on your income, credit history and other factors.
1. 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.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
The information related to the Hilton Honors Aspire Card from American Express has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.