Learn how to apply for the Hilton Honors American Express Card

Introducing the Hilton Honors American Express Card

The Hilton Honors American Express Card offers a great option for earning Hilton Honors points without having to pay an annual fee. With this card, you’ll receive automatic Hilton Honors Silver level status, and you can work your way up to Gold status by spending $20,000 in a single calendar year.

One of the standout features of this card is the welcome bonus. By making $1,000 in transactions within the first three months of card membership, you’ll earn a generous 80,000 Hilton Honors bonus points. These points can cover the cost of one or two nights at many Hilton hotels, making it a valuable perk.

In terms of earning points, the Hilton Honors American Express Card offers 5 points for every dollar spent at American petrol stations, supermarkets, and restaurants that offer delivery and takeout. This translates to an effective earning rate of 2.5% to 3.0% in Hilton Honors points, which is impressive for a card with no annual fee. It’s worth noting that Hilton Honors points are generally valued at around 0.5/0.6 cents each.

Another advantage of this card is that there’s no cap on the number of points you can accumulate. This means your rewards can quickly add up, especially if you frequently spend money at gas stations, grocery stores, and restaurants. Unlike many cards, this card doesn’t have a spending cap on these categories.

For those who travel internationally, the Hilton Honors American Express Card is particularly appealing as it doesn’t charge foreign transaction fees.

Who is eligible for the Hilton Honors American Express Card?

To be eligible for the Hilton Honors American Express Card, you typically need to have strong to excellent credit. While there’s no specific credit score that guarantees approval, a score of 740 or higher (considered very good by Experian) is generally recommended. A good credit score is considered 670 or higher.

Since Experian is often the source of credit inquiries for American Express, having a score of 670 or higher gives you a reasonable chance of getting approved for the card.

How to apply for the Hilton Honors American Express Card

Like most American Express cards, the application for the Hilton Honors American Express Card is done online. You’ll need to provide some personal information, and the application process may take slightly longer than usual due to the card’s requirement for excellent credit.

After submitting your application, you’ll receive an email notification once a decision has been made. If approved, you’ll receive instructions on how to obtain your American Express credit card.

Is it worth having a Hilton Honors American Express Card?

If you’re looking for a hotel card without an annual fee, the Hilton Honors American Express Card is a compelling option. It’s especially beneficial if you’re new to Hilton Honors and haven’t yet accumulated enough stays to qualify for elite membership.

By starting with this card, you can experience the perks and privileges it offers, while also having the opportunity to earn valuable Hilton Honors points.

Comparing the Hilton Honors American Express Card with the Discover it® chrome

While the Hilton Honors American Express Card is primarily a hotel card, it pairs well with the Discover it® chrome card, which focuses on cashback rewards. For frequent travelers, these two cards can be an excellent combination.

The Discover it® chrome card offers a generous cashback bonus on gas stations and dining, making it a perfect fit for those who spend a lot on these categories during their travels.

Hilton Honors American Express Card benefits

• High rates of point earnings
• Generous introductory bonus
• Fifth night free on award stays included with automatic Silver level
• No annual or foreign transaction fees

Discover it® chrome benefits

• No annual fee
• Introductory APR period
• Bonus categories
• Cashback rewards tailored for travelers

How to apply for the Discover it® chrome

For more information about the Discover it® chrome card and its benefits for travelers, please refer to our dedicated article on the topic.

Written by

Claire Harrison