Hilton Honors American Express Card benefits guide

Key takeaways

  • The Hilton Honors American Specific Card is Hilton’s solely no-annual-fee card, making it a stable selection for individuals who want staying at Hilton properties however won’t accomplish that sufficient to justify paying to hold the cardboard.
  • One of many prime advantages of this card is that it supplies complimentary Hilton Honors Silver Elite standing, which opens the door to many extra Hilton rewards.
  • This information will break down the advantages and perks that cardholders can reap the benefits of, in addition to the best way to use the Hilton Honors American Specific Card successfully.

For loyal Hilton clients and frequent vacationers, the Hilton Honors American Specific Card has loads of engaging options that make it price contemplating. This lodge bank card earns Hilton Honors factors and comes with a variety of advantages from each Hilton and American Specific. We go over the main points on all of these advantages, in addition to the bank card’s present promotions, on this information.

Hilton Honors American Specific Card highlights

Incomes factors

One of many primary advantages of the Hilton Honors American Specific Card is the chance to earn Hilton Honors factors on purchases. The cardboard earns 7X factors on Hilton lodge and resort stays, 5X factors at U.S. supermarkets, U.S. gasoline stations and U.S. eating places and 3X factors on every part else.

You should utilize these factors for:

  • Nights at Hilton motels and resorts
  • Live performance tickets
  • Distinctive eating experiences
  • Sporting occasions tickets
  • Lyft rides
  • On-line buying
  • Conversions into airline miles with Hilton’s journey companions

Other than incomes factors on purchases you make together with your Hilton Honors American Specific Card, there are just a few different methods you possibly can earn and share factors. For instance, you possibly can pool factors with as much as 10 different members for a shared journey or household getaway. You can even purchase further factors, flip factors into charitable items or switch them to mates or members of the family.

Journey advantages

Hilton Honors Silver Elite standing

The Hilton Honors American Specific Card additionally comes with loads of journey advantages, together with computerized Hilton Honors Silver Elite standing. A few of the perks of Silver standing embrace:

  • A 20 p.c incomes bonus on lodge stays
  • Free bottled water
  • free Wi-Fi entry
  • Unique entry to Hilton Honors Experiences
  • Digital check-in
  • Selection of accessible rooms

On prime of that, you even have the chance to qualify for Hilton Honors Gold standing relying on how a lot you spend. In case you spend $20,000 on eligible purchases in a calendar 12 months, you possibly can earn an improve to Hilton Honors Gold standing. Gold standing comes with perks like an 80 p.c incomes bonus on lodge stays, potential room upgrades and a every day meals and beverage credit score.

Fifth Evening Free profit

Cardholders also can reap the benefits of Hilton’s Fifth Evening Free profit, which permits members who guide 5 consecutive Reward Stays or extra and pay with factors to get their fifth night time free. So, if every night time is price 10,000 factors and also you guide 5 nights, meaning you’ll solely should pay 40,000 factors as a substitute of fifty,000. This perk can also be stackable as much as 20 nights, so you too can get your tenth, fifteenth, and twentieth night time free.

No overseas transaction charge

Not like many rewards playing cards, the Hilton Honors American Specific Card doesn’t cost overseas transaction charges. Because of this you should use your card to buy overseas with out incurring any extra fees.

Automotive rental loss and injury insurance coverage

This journey bank card comes with automobile rental loss and injury insurance coverage, which implies you could decline the collision injury waiver and lower your expenses once you hire a automobile whereas touring.

World help hotline

The worldwide help hotline supplies customized customer support if any points come up once you’re touring. The hotline can present assist for something from lacking passports and misplaced baggage to emergency authorized and medical referrals.

Further advantages

This card additionally comes with some extra normal (and some not-so-standard) advantages like fraud safety and Amex Ship and Break up.

No annual charge

Not like different Hilton Honors playing cards, the Hilton Honors American Specific Card fees no annual charge. Because of this irrespective of how a lot or little you spend utilizing the cardboard, you’ll at all times come out forward on the finish of the 12 months.

American Specific Experiences

Cardholders have entry to unique ticket presales and occasions as a part of the American Specific Experiences program. For instance, cardholders can reap the benefits of 2024 promotions like:

  • Reside performs — see musicals like “& Juliet” and “Suffs”
  • Sporting occasions — get season tickets to Utah Jazz basketball video games and early entry to ski and snowboarding tracks in Hunter Mountain, New York
  • Concert events — experience Carrie Underwood’s new Las Vegas residency and festivals just like the Jazz In The Backyard Music Fest
  • Digital occasions —  curated experiences embrace cooking lessons, health lessons, comedy performances and retail “first appears to be like”

Amex Ship and Break up

Ship and Break up permits cardholders to ship cash and cut up purchases by way of PayPal and Venmo inside the American Specific cell app. Plus, you’ll nonetheless earn rewards on the purchases you cut up. Whether or not it’s worthwhile to pay a buddy again for espresso or cut up hire together with your roommate, it’s straightforward to take action inside the app.

Fraud safety

Fraud safety protects cardholders in case there are any fraudulent purchases made utilizing your card. In case you discover any suspicious purchases that you just assume could also be fraudulent, you may get in contact with Amex customer support utilizing the quantity on the again of your card.

Further playing cards

Get extra playing cards on your kids, partner or different individuals who make purchases for you. By signing up your family members as licensed customers in your account, you’ll be capable of monitor spending and earn Hilton Honors factors quicker.

Pay It, Plan It

The Hilton Honors American Specific Card additionally comes with a Pay It, Plan It function, which supplies cardholders distinctive choices in terms of paying off their stability. You should utilize the “Pay It” function to make funds on purchases underneath $100 all through the month. With the “Plan It” function, you possibly can choose purchases over $100 and cut up them up into month-to-month funds with no curiosity fees.

12 months-end abstract

Like many prime rewards bank cards, the Hilton Honors American Specific Card provides cardholders the flexibility to assessment their annual spending by means of a year-end abstract. This may also help you to see how a lot you’ve spent all year long and what your prime spending classes have been.

The underside line

In case you like to remain at Hilton motels and resorts once you journey, the Hilton Honors American Specific Card is a simple selection. With lodge bank card perks like complimentary Hilton Honors Silver standing, in addition to no overseas transaction charges, this American Specific bank card is an effective way to earn factors towards free lodge stays and extra.

Then again, if you happen to’re not a frequent traveler or aren’t brand-loyal to Hilton, an all-purpose rewards bank card could be a more sensible choice.

With no annual charge, this card can also be a budget-friendly possibility for patrons on the lookout for a Hilton rewards card. However if you happen to don’t thoughts an annual charge in alternate for much more profitable advantages, different Hilton bank cards just like the Hilton Honors American Specific Surpass® Card and the Hilton Honors American Specific Aspire Credit score Card* are additionally price contemplating.

Issuer-required disclosure assertion

Details about the Hilton Honors American Specific Aspire Credit score Card has been collected independently by Bankrate. It has not been reviewed or authorized by the issuer.

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