Hilton Honors: Hotel Rewards with No Annual Fee
Earn 7x points on Hilton stays, 5x points on dining, groceries, and gas, and 3x points on all other purchases – with automatic Hilton Honors™ Silver status and no annual fee.
The Bottom Line
3.9
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Hilton Honors is a good choice if you stay at Hilton hotels and want to earn rewards without paying an annual fee. It earns 7x points at Hilton hotels and resorts, 5x points on dining, groceries, and gas, and 3x points on all other purchases. The card also includes automatic Hilton Honors™ Silver status, which adds small perks during stays. However, it’s less useful if you don’t stay with Hilton often or prefer flexible travel rewards across different hotel brands. If you’re loyal to Hilton and want a simple way to earn hotel points, this card makes sense.
Hilton Honors
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Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 28.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 7x points on Hilton hotels & resorts, 5x points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, plus 3x points on all other purchases.
3x - 7x Points
Welcome Offer Limited-time offer: Earn 100,000 bonus points and a $100 statement credit after spending $2,000 in the first six months. Offer ends 7/29/2026.
100,000 Points + $100 Statement Credit
Welcome Offer
Limited-Time Offer: Earn 100,000 bonus points and a $100 statement credit after spending $2,000 in the first six months. Offer ends 7/29/2026.
Rewards
- 7x Points on Hilton hotels & resorts.
- 5x Points Categories:
- U.S. Restaurants, including takeout and eligible delivery services.
- U.S. Supermarkets
- U.S. Gas Stations
- 3x Points on all other purchases.
Redemption Options
- Redeem your points for free nights at Hilton Honors properties worldwide, room upgrades, experiences & events, gift cards, and more.
Fees and APR
- Annual Fee: $0.
- Regular APR: 19.49% - 28.49% Variable APR.
- Foreign Transaction Fee: None.
Hotel Elite Status
- Hilton Honors™ Silver Status: Enjoy complimentary Hilton Honors Silver status, including 20% bonus points on stays and every 5th night free on award bookings.
Travel Protections
- Car Rental Loss and Damage Insurance (secondary): Provides reimbursement for theft and collision damage when you decline the rental company’s coverage and pay for the rental in full with your card. Coverage is secondary in the U.S. to your personal insurance.
Travel & Emergency Assistance
- Global Assist® Hotline: Provides 24/7 assistance while traveling more than 100 miles from home, including help with medical, legal, and travel emergencies. This service helps connect you to local resources, but you are responsible for any costs charged by third-party providers.
Purchase Protections
- Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $1,000 per claim and $50,000 per year.
Convenience Features
- Send & Split®: If you often split purchases with friends or family, Send & Split® lets you request repayments through Venmo or PayPal directly from the Amex app while still earning rewards on the full purchase. Repayments are applied as statement credits. Enrollment required.
- Additional Cards: Adding authorized users lets you earn rewards on their purchases at the same rates, helping households or couples pool spending and earn rewards faster. Additional cards are free and earn rewards just like the primary card.
Nice Extras
- Amex Ticket Access: Get early access to select event tickets through Amex Presale Tickets® and Reserved Tickets®, including concerts, sports, and more.
Shopping & Savings
- Amex Offers: Amex Offers lets you add targeted merchant discounts to your card and earn statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability. Enrollment required.
Buy Now, Pay Later Options
- Plan It®: Plan It® lets you split eligible purchases of $100 or more into equal monthly installments with a fixed fee while still earning rewards on the original purchase.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Altitude® Connect: Earn elevated rewards on travel and gas purchases, complementing Hilton Honors for hotel stays while covering broader travel spending. 👉 Learn more about Altitude® Connect.
- Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities beyond travel and hotel spending. 👉 Learn more about Discover it®.