Hilton Honors American Express Card
No annual fee. Purchase APR 29.49%.
- Annual fee
- Issuer's pageamericanexpress.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageamericanexpress.com
“APR: 29.49%”
- Foreign transaction fee
- Issuer's pageamericanexpress.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $240 | $240 |
| Typical spender | $580 | $580 |
| Heavy spender | $1,280 | $1,280 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 0.5¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Hilton Honors
- 7× pointsHotels & Resorts within the Hilton portfolio
- 5× pointsU.S. restaurants
- 5× pointsU.S. supermarkets
- 5× pointsU.S. gas stations
- 3× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageamericanexpress.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageamericanexpress.com “APR: 29.49%” |
| Foreign transactions | Issuer's pageamericanexpress.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Complimentary Hilton Honors Silver status
- A 20% bonus on all Hilton Honors Base Points as a Silver member
- Spend $20,000 on eligible purchases in a calendar year to earn an upgrade to Hilton Honors Gold Status through the end of the next calendar year
- No foreign transaction fees
- Access to Amex Presale Tickets and Amex Reserved Tickets for select events
- Additional perks at select events
- Send & Split with Venmo and PayPal; enrollment required
- Access to Amex Offers for extra rewards on qualifying purchases with select brands
- American Express Venue Collection benefits, including dedicated entrances or fast lanes at select stadiums and arenas
- 10% back on qualifying concessions purchases at participating American Express Venue Collection locations, up to $250 per calendar year; enrollment required
- Global Assist Hotline available 24/7 when traveling more than 100 miles from home
- Year-End Summary of charges
- Additional Cards may be added for anyone who makes purchases for the cardmember, including a child age 13 or older
- Instant Card Number for eligible approved applicants
- No current Free Night Reward benefit
- Rental car
- Emergency assistance
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year
Questions
- What is the annual fee?
- No Annual Fee americanexpress.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. americanexpress.com, since Oct 2, 2026
- What is the purchase APR?
- 29.49% APR americanexpress.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$320 a year
- GM Rewards MastercardBarclays · No annual fee+$320 a year
- CareCredit MastercardSynchrony · No annual fee+$130 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).