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The 6 best Hilton credit cards of November 2022

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Insider’s specialists select the best services and products to assist make good selections along with your cash (here’s how). In some instances, we obtain a fee from our our partners, nevertheless, our opinions are our personal. Terms apply to provides listed on this web page.

If you keep at Hilton accommodations typically, it makes rather a lot of sense to hold a Hilton co-branded credit card to spice up your points-earning potential and revel in advantages similar to elite status and award stays yearly. You also can get good worth from non-Hilton cards that earn factors and supply perks you’ll be able to take pleasure in on stays.

Here’s an in depth overview of the best cards for vacationers who stick with Hilton, and which one may be the best for you.

We’re centered right here on the rewards and perks that include every card. These cards will not be value it in case you’re paying curiosity or late charges. When utilizing a credit card, it is vital to pay your steadiness in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.

Compare the best Hilton credit cards

The best Hilton credit card opinions

Hilton’s co-branded credit cards are available all kinds, from a easy on a regular basis earner with out an annual charge, all the way in which as much as a premium card that confers perks like top-tier Diamond elite standing and as much as $250 per yr in assertion credit towards airline incidental fees. And the present Hilton credit card bonuses are extremely useful. If you play your cards proper, you might obtain $1,000+ in worth from every of these bonuses.

Best for on a regular basis incomes and stays: Hilton Honors Surpass card

The Hilton Honors American Express Surpass® Card represents the best of all worlds — a card with a reasonable Hilton Honors American Express Surpass® Card annual charge that comes with supercharged incomes capability and mid-range elite status. You can at the moment earn a welcome bonus supply of Hilton Honors American Express Surpass® Card.

Insider estimates that Hilton factors are value 0.5 cents every, on common. So this bonus is value round Hilton Honors American Express Surpass® Card in Hilton resort stays.  

This card earns 12 Hilton factors per greenback on eligible Hilton purchases and 6 factors per eligible greenback spent in a spread of classes, together with U.S. supermarkets, U.S. eating places, and U.S. fuel stations, and three factors per eligible greenback spent on all the pieces else. That means you’ll be able to rack up 1000’s of factors just by utilizing your card for on a regular basis purchases.

If you spend $15,000 or extra on purchases along with your card in a calendar yr, you will rating a free night reward that you should utilize at virtually any Hilton property worldwide. Cardholders mechanically get Hilton Honors Gold standing — which comes with perks like room upgrades, bonus incomes on stays, and complimentary breakfast (at the moment awarded as a meals and beverage credit within the US) — however can bump as much as Diamond standing with $40,000 in card spending in a calendar yr.

Best for infrequent Hilton vacationers: Amex Hilton Honors card

While you do not usually get tons of further perks from a no-annual-fee card, the Hilton Honors American Express Card makes up for fewer advantages with a hefty bonus. Right now, new candidates can earn 80,000 factors after you spend no less than $1,000 on eligible purchases in your first 3 months of account opening.

Again, Insider estimates that Hilton factors are value 0.5 cents every — making this factors bonus value Hilton Honors American Express Card in Hilton stays, on common. You can learn extra in our Hilton Honors American Express card review.

The Hilton Honors American Express Card earns 7 Hilton factors per greenback on eligible Hilton purchases and 5 factors per eligible greenback spent at U.S. eating places, U.S. supermarkets, and U.S. fuel stations.

Like different Hilton co-branded cards, it earns 3 factors per eligible greenback spent on all the pieces else. Cardholders obtain entry-level Silver elite standing however can spend their method as much as Gold with $20,000 in purchases on the cardboard in a calendar yr.

Best for luxurious advantages: Hilton Aspire card

The (*6*)Hilton Honors Aspire Card costs a Hilton Honors American Express Aspire Card annual charge — but it surely additionally confers advantages unmatched by different hotel credit cards. It additionally provides a considerable welcome bonus: Hilton Honors American Express Aspire Card. That’s value round Hilton Honors American Express Aspire Card in stays, primarily based on Insider’s valuations.

Cardholders obtain as much as $250 in assertion credit every account yr for purchases made at taking part Hilton Resorts, and as much as one other $250 in airline charge credit every calendar yr for issues like checked bags and seat assignments in your chosen airline.

When you e-book a qualifying two-night keep at taking part Waldorf Astoria or Conrad properties, you will rise up to a $100 credit for eligible costs. Cardholders take pleasure in computerized top-tier Diamond standing, with advantages just like the best probability at room upgrades, membership lounge entry, complimentary breakfast (at the moment awarded as a meals and beverage credit within the US), and double the factors an everyday member earns on stays.

Hilton Aspire cardmembers get a free night reward once they open the account and reach their account anniversary and renew (it isn’t half of the bonus), and might earn a further one after spending $60,000 on the cardboard in a calendar yr. They also can enroll in Priority Pass membership for entry to over 1,300 airport lounges worldwide. You can now use Hilton free night awards on any day of the week.

The incomes is fairly extraordinary, too — 14 Hilton factors per greenback on eligible Hilton purchases, 7 factors per greenback at eligible U.S. eating places, on flights booked straight with airways or by way of Amex Travel, and on eligible automobile leases, and three factors per eligible greenback spent on all the pieces else.

Best for enterprise vacationers preferring Hilton: Amex Hilton Business card

If you are a small-business proprietor and like a enterprise credit card that may enable you maximize bills each at dwelling and on the street,  The Hilton Honors American Express Business Card checks all of the bins. Cardholders mechanically obtain Hilton Honors Gold standing, which makes stays higher because of perks like free breakfast and welcome facilities. And whenever you spend $40,000 on purchases with the cardboard in a calendar yr, you will obtain Diamond standing.

Right now, the The Hilton Honors American Express Business Card is providing an elevated bonus of The Hilton Honors American Express Business Card. The factors alone are value about The Hilton Honors American Express Business Card in stays, primarily based on Insider’s valuations.

It’s additionally an distinctive earner, providing 12 Hilton factors per greenback on eligible Hilton purchases, and 6 factors per eligible greenback spent at U.S. eating places and U.S. fuel stations, and on U.S. wi-fi companies and delivery, flights booked straight with airways or by way of Amex Travel, and eligible automobile leases. It earns 3 factors per eligible greenback spent on all the pieces else, which is first rate for a card with only a The Hilton Honors American Express Business Card annual charge.

When you spend $15,000 on purchases with the cardboard in a calendar yr, you will earn a free evening reward — and in case you spend a complete of $60,000 in the identical yr, you will get a second evening reward. Check out our Hilton Honors American Express Business Card review for the total rundown.

Best for non-loyalists who need Hilton elite standing: Amex Platinum

While the (*6*)Hilton Honors Aspire Card comes with computerized Diamond standing, in case you’re not a hardcore Hilton loyalist, you may wish to contemplate a card that comes with elite standing however earns factors that transfer to other partners. The Platinum Card® from American Express matches the invoice as a result of cardholders can activate complimentary Hilton Honors Gold status (and Marriott Bonvoy Gold standing, too).**

Hilton Gold standing will get you a good shot at room upgrades, 18 factors per eligible greenback on stays as a substitute of the conventional 10, welcome facilities, and even complimentary continental breakfast at most properties.

With the Platinum card, you will earn American Express Membership Rewards points which switch to Hilton at a 1:2 ratio, so that you’re successfully incomes double Hilton factors on on a regular basis spending. The card prices $550 per yr, but it surely comes full of other benefits that, if put to make use of, make the annual charge worthwhile.

It at the moment provides a welcome bonus of The Platinum Card® from American Express. Read our Amex Platinum card review to seek out out extra.

Best for flexibility and redeeming factors: Amex Gold card

You will not take pleasure in Hilton Honors elite standing with the American Express® Gold Card, however you’ll earn an outstanding quantity of factors in a number of on a regular basis spending classes which you can then switch to your Hilton account. 

Along with a welcome bonus supply of American Express® Gold Card, this card earns 4 American Express Membership Rewards factors per greenback at eating places, together with takeout and supply, in addition to on as much as $25,000 in purchases per calendar yr at U.S. supermarkets (then 1 level per greenback). It earns 3 factors per greenback on airfare booked straight with airways or by way of Amex Travel, and 1 level per greenback on all the pieces else.

Remember that 1 American Express Membership Rewards level converts to 2 Hilton factors, so that you’re basically doubling these incomes charges in case you plan to switch your factors to Hilton Honors. You’ll even have the flexibleness to switch your factors to different American Express Membership Rewards companions, like Delta, JetBlue, and Marriott.

You can learn our American Express Gold Card review to study why the cardboard is a terrific choice for foodies, travelers, and even rewards beginners.

Hilton credit card steadily requested questions (FAQ)

What is the best Hilton credit card?

The Hilton credit card with probably the most useful advantages is the Hilton Honors American Express Aspire Card. It comes with $1,000+ in worth every calendar yr from perks similar to a free Night Reward upon account opening — and one other reward after every account anniversary (and paying the annual charge), Priority Pass membership which provides entry to 1,300+ airport lounges, and as much as a $250 annual resort credit legitimate at Hilton resorts.

If you journey commonly or keep at a elaborate Hilton resort as soon as per yr, these advantages might simply offset its Hilton Honors American Express Aspire Card annual charge.

Can I take advantage of my factors at Hilton Garden Inn?

You can use your Hilton factors for stays at any Hilton model. At over a century previous, Hilton is one of the most important resort chains, and now includes 18 manufacturers with over 6,500 properties in 119 international locations. Familiar labels like luxurious Waldorf Astoria, budget-friendly DoubleTree, and distinctive Curio Collection properties are all below Hilton’s umbrella. The Hilton Honors loyalty program has over 100 million members, all of whom can earn and redeem their factors world wide.

Is my Hilton Honors login the identical because the Hilton credit card login?

Your credit card account and your resort account are utterly totally different. When you earn rewards along with your Hilton credit card, they may mechanically deposit into your Hilton account.

To log into your Hilton credit card account, you will check in to your American Express account. You will not undergo the Hilton web site. Your credentials will possible be utterly totally different.

Is Hilton Honors Wi-Fi free with Hilton credit cards?

Hilton provides free normal Wi-Fi to common members or these with Silver or Gold elite standing, however solely Diamond elite members obtain free high-speed premium Wi-Fi. The solely card that mechanically will get you Diamond standing is the Hilton Honors American Express Aspire Card.

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