Hilton Credit Card | Card Review & Hilton Points Calculator

AMEX Hilton Honors Card

Card Review & Hilton Points Calculator
7X Hilton Hotels and Resorts
5X Restaurants
5X Supermarkets
5X Gas Stations
3X Everything Else
Hilton Honors Silver

Get a review of the Hilton Credit Card, calculate how many Hilton Honors Points you can earn based on spend, and compare results against top cards.


This page may contain links and/or referrals that would earn The Point Calculator points, miles, or other financial compensation. For more details, view the Advertising Policy.

The Hilton Honors Credit Card is the entry credit card for the Hilton Honors Program. It's a no annual fee, basic card that has a lot of earning potential. The Hilton Honors Credit Card is one of the best hotel credit cards due to the number of bonus categories, the earning rate on hotel stays, and the perks and benefits it offers.

Bonus Categories

The Hilton Honors Credit Card features four bonus categories that earn additional Hilton Honors Points per $1 spent. The categories consist of Hilton properties, restaurants, supermarkets, and gas stations.

7x Hilton Properties

The Hilton Honors Credit Card earns 7 Hilton Honors Points per $1 spent on stays at Hilton. Purchases must be made directly with a property within the Hilton portfolio. Third party reservations for Hilton stays, banquets, events, and vacation packages will not qualify.

Hilton Honors Points are worth an easy 0.6 cents each meaning this is a return of about 4.2% for Hilton stays. On top of that, this card grants Hilton Silver Status so you'll earn an additional 12x points for stays at Hilton. So you're looking at a total gain of 19 Hilton Honors Points per $1 spent which is a total return of 11.4%. That's an excellent return. The only cards that can beat this return is the other Hilton Honor Cards.

5x U.S. Restaurant/Dining

Eating out at fast food or fine dining establishments in the U.S. will earn you 5 Hilton Honors Points per $1 spent when you use the Hilton Honors Credit Card. This Hilton point bonus will only apply to restaurants that are in the United States. U.S. owned restaurants located outside of the U.S. (e.g. Hard Rock Amsterdam) will not earn additional points.

Earning 5x Hilton Honors Points on restaurants is a solid return. This is the lowest earning rate on restaurant purchases out of the Hilton cards, but the Hilton Honors credit card has no annual fee so you're always looking at a positive return. When it comes to other hotels, most of the popular programs also offer a bonus on dining. Of those popular programs, similar returns are found on both the Marriott Bonvoy Business Card and Marriott Bonvoy Premier Plus Business Card with the Marriott Bonvoy Program and the World of Hyatt credit card with the World of Hyatt Program. The two Marriott Cards offer 4x Marriott Bonvoy Points while the Hyatt Card offers 2x Hyatt Points. These returns are just shy of 3% which is what the return on the Hilton Honors card provide for this category.

5x U.S. Supermarket

Using the Hilton Honors Credit Card at U.S. supermarkets will earn you 5 Hilton Honors Points per $1 spent. The grocery store must be located in the U.S. and it's main purpose must be the selling of a wide variety of food and household products. This includes, but not limited to, stores such as Kroger, Giant Eagle, Vons, and Winn-Dixie. Some online supermarkets are also included such as FreshDirect. Superstores, convenience stores, and warehouse clubs are not considered to be supermarkets and will not earn the 5x bonus points. This includes stores such as Amazon, Walmart, and BJ's. There are several Amazon Credit Cards to choose from as well a Walmart Mastercard as well.

Again, not a bad earning rate for anyone looking to build Hilton Honors Points. The other Hilton Cards earn a few additional point per dollar, but it will still come down to how much you spend and how often you stay at Hilton Hotels. Hilton is the most generous when it comes to earning points on supermarkets as other hotel cards either don't offer the bonus category on their co-branded cards or the return is really low and not worth it.

5x U.S. Gas Stations

The Hilton Honors Credit Card will earn 5 Hilton Honors Points per $1 spent at U.S. gas stations. American Express considers a gas station to be an establishment that, of course, specializes in gas. This will be places such as Hess, Shell, Mobil, and Exxon. Gas stations that are part of supermarkets or warehouse clubs, such as GetGo or Walmart gas station, will not be eligible.

Besides the higher level Hilton credit cards, the only other hotel card that generates a similar return on gas station purchases is both the Marriott Bonvoy Business Card and Marriott Bonvoy Premier Plus Business Card with the Marriott Bonvoy Program earning 4x Marriott Bonvoy Points per $1 spent.

3x Non-Category

All purchases on the Hilton Honors credit card that does not fall in the bonus categories above will earn 3 Hilton Honors Points per $1 spent. That's about a return of 1.8% so while you will get a slightly better return off of cards such as the Citi Double Cash (2% cash back on all purchases), this would not be a bad return if you're looking to build Hilton Honors Points.

Perks and Benefits

Hilton Honors Silver

Hilton Honors cardholders will receive complimentary Hilton Honors Silver Status. This status is only available to the Basic Card Member. Canceling the Hilton Honors Credit Card will cancel your status if it has been obtained by having the card. Hilton Honors Silver is usually earned after 4 stays or 10 nights at a Hilton Property during the year. It comes with the ability to earn 12x additional Hilton Honors Points (on top of what this card offers if used for Hilton), two complimentary bottles of water, access to the 5th Night Free Perk, Elite Rollover Nights, and more.

Spend To Hilton Gold Status

Spending $20,000+ on the Hilton Honors Credit Card during a calendar year (January 1 to December 31) will upgrade you to Hilton Gold status for the remainder of the year and the subsequent year. Gold is usually obtained after 20 stays, 40 nights, or earning 75,000 Hilton Honor Base Points within a calendar year. Hilton Gold comes with perks such as an additional 18 Hilton Honors Points per dollar, complimentary room upgrades, and continental breakfast. It also features all the perks of Hilton Honors Silver and lower.

AMEX Offers can help save money on Hilton properties worldwide!

Standard AMEX Benefits

The Hilton Honors Credit Card also features the standard American Express Credit Card perks such as, but not limited to, AMEX Offers, access to AMEX presale tickets, return protection, roadside assistance, complimentary ShopRunner membership, extended warranty, purchase protection, and travel accident insurance.

Sign Up Bonus

The standard Hilton Honors Credit Card sign up bonus sits around 50,000 Hilton Honors Points. This is generally worth about $300. Hilton Hotels have a very wide range of point costs and Hilton does not have a hotel redemption chart. 50,000 Hilton Honors Points can get you at 2 nights in a select few hotels, but you mostly fall short of a few points on obtaining a 2nd night at most standard hotels. You can sometimes get a higher bonus if you apply for the card using incognito/private browsing. I've been able to get 95,000 sign up bonuses to pop up occasionally.

A great sign up bonus for a no-fee card!

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Hilton Honors Card has an annual fee of $0. For the return and benefits this card offers, this is a great deal!

Authorized User Fee

The Hilton Honors Card does not charge a fee for adding authorized users. I recommend adding additional users in order to build your Hilton Honors Points faster.

Foreign Transaction Fee

The foreign transaction fee for the Hilton Honors Card is 0% meaning you can use this card overseas without worrying about additional fees.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
-
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
-
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Loading...
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
-
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
-

Recommended Reads


Page Last Updated: 2019-08-15
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.