Pros & Cons

Pros

  • +Welcome Bonus: 70,000 points
  • +Up to 5x on groceries
  • +Purchase protection included

Cons

Our Review

Unlock No‑Fee Hilton Benefits with the Hilton Honors American Express Card

  • 70,000 bonus points + a Free Night Reward after $2,000 in purchases within 6 months
  • No annual fee
  • Complimentary Silver status: fifth night free on award stays, 20% bonus points, two free bottles of water and elite rollover nights
  • 7X points on eligible Hilton portfolio purchases
  • 5X points at U.S. restaurants, supermarkets and gas stations
  • 3X points on all other eligible purchases

Whether you stay at Hilton properties occasionally or just want perks without a fee, this card delivers a powerful welcome offer and solid ongoing earnings. Enjoy elevated status benefits from day one and rack up points on everyday spend—perfect for building your Hilton stash before your next getaway. Manage your account seamlessly in the AmEx app and take advantage of automatic elite perks every time you book.

Terms apply. Bonus points require $2,000 spend in first 6 months. See full terms for details.

Rewards

All Spending

3x

Hilton Honors pts per dollar

Groceries

5x

Hilton Honors pts per dollar

Gas

5x

Hilton Honors pts per dollar

Restaurants

5x

Hilton Honors pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries5x
$700/mo
Gas & EV5x
$200/mo
Transit3x
$100/mo
Restaurants5x
$300/mo
Pharmacy3x
$50/mo
Travel3x
$150/mo
Bills & recurring payments3x
$250/mo
Telecom3x
$150/mo
Entertainment & streaming3x
$100/mo
Office supplies3x
$0/mo
All other spending3x
$500/mo

Points Earned

118,800

Hilton Honors/yr

Estimated Value

$1,188

After Fees

+$1,188

1st Year Value

$1,888

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 5x42,000 pts
Gas & EV$2,400/yr × 5x12,000 pts
Transit$1,200/yr × 3x3,600 pts
Restaurants$3,600/yr × 5x18,000 pts
Pharmacy$600/yr × 3x1,800 pts
Travel$1,800/yr × 3x5,400 pts
Bills & recurring payments$3,000/yr × 3x9,000 pts
Telecom$1,800/yr × 3x5,400 pts
Entertainment & streaming$1,200/yr × 3x3,600 pts
All other spending$6,000/yr × 3x18,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year3.96x
Total points earned118,800 pts
Value of points accumulated in the first year$1,188

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide). Amex Special Ticket Access; Send & Split®; Amex Offers. Travel benefits: Hilton Honors™ Silver Status (a 20% Bonus on all Base Points); No Foreign Transaction Fees; Car Rental Loss and Damage Insurance; Global Assist® Hotline.

Purchase Protection

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    0%

Terms & Conditions

Card Features

  • Earn 70,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.