Hilton offers four credit cards that you can use to earn Hilton Honors Points on everyday spending. These cards also offer a range of other benefits including complimentary elite status, Priority Pass visits, annual credits, and more.
You can also earn points with partners and transfer those earned points to your Hilton Honors account in which the American Express Membership Rewards program will be the best option thanks to it's 1:2 transfer ratio.
This page details our top picks for the best credit cards. You can use the calculator to estimate which credit cards can earn you the most rewards and best average return on your spend.
The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.
Best For No-Annual Fee
The Hilton Honors American Express Card is the best no-annual fee option for earning Hilton Honors Points. It earns 7X Hilton Honors Points at Hilton properties, 5X for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3X on all other eligible purchases ran across the card.
Benefits of the card include complimentary Hilton Honors Silver status with the ability to spend your way to Hilton Honors Gold status.
Best For Occasional Hilton Stays
The Hilton Honors American Express Surpass® Card is the most well-rounded of the available Hilton credit cards. It earns 12X Hilton Honors Points with Hilton, 6X points on U.S. restaurant, U.S. supermarket, and U.S. gas purchases, and 3X points spent everywhere else.
It also comes with complimentary Hilton Honors Gold status which gives you access to Hilton's 5th night free benefit and provides 10 Priority Pass visits all for your standard $95 annual fee (see rates and fees) which is quite superb.
Best For Earning On Business Spend
The Hilton Honors American Express Business Card provides a lot of great bonus categories that the other Hilton Honors cards to not. It earns 12X points with Hilton, 6X on restaurants, wireless phone providers, gas stations, and shipping purchases all within the U.S., and airfare booked directly with airlines or Amex Travel, and car rentals, and 3X everywhere else.
It also includes benefits such as complimentary Hilton Honors Gold status and 10 Priority Pass visits similar to the Hilton Honors Surpass AMEX Card.
Best For Dining & U.S. Supermarkets
The American Express® Gold Card earns 4X Membership Rewards Points on restaurant purchases, 4X on U.S. supermarket purchases, 3X on airfare purchased directly with an airline, and 1X on everything else.
Since AMEX Membership Rewards Points transfer to Hilton at a 1:2 ratio, you're looking at the equivalent of 8X Hilton Honors Points on restaurant and U.S. supermarket purchases and 6X on airfare which is great.
The American Express® Gold Card also comes with $120 in annual dining credits and $120 in Uber Cash which easily adds more value to the card.
Best For Travel Purchases
If you want to earn a great amount of Hilton Honors Points on travel purchases, the American Express® Green Card is the best option.
It earns 3X Membership Rewards Points on travel (including transit) and dining which equates to 6 Hilton Honors Points when transferred. While you can easily match the 6X earnings on restaurant purchases with other Hilton Cards, the general travel category is not covered on any co-branded Hilton credit cards which makes the Green Card top tier if you frequently make travel related purchases.
Benefits of the Green Card include a $100 credit for CLEAR and $100 in LoungeBuddy credit.
Best For Lounge Access & Luxury Travel
The Platinum Card® from American Express is a luxury travel card that offers a bunch of benefits and perks including extensive lounge access, great purchase and travel insurance, complimentary elite status with Hilton and Marriott, $500+ in annual credits, and so much more.
It earns 5X Membership Rewards Points on airfare booked directly with an airline or through the AMEX Travel portal and 5X on hotels booked through the AMEX Travel portal. This equates to 10X Hilton Honors Points on these categories when transferred to Hilton which is a great return if you frequently book flights or hotels and you're looking to earn lots of Hilton Honors points.
Best Credit Cards For Hilton Honors Points Summary
| Credit Card | Best For | Annual Fee |
|---|---|---|
| Hilton Honors American Express Card | No-Annual Fee | $0 |
| Hilton Honors American Express Surpass® Card | Occasional Hilton Stays | $95 |
| The Hilton Honors American Express Business Card | Earning On Business Spend | $95 |
| American Express® Gold Card | Dining & U.S. Supermarket | $250 |
| American Express® Green Card | Travel Purchases | $150 |
| The Platinum Card® from American Express | Lounge Access & Luxury Travel | $695 |
Calculate Hilton Honors Points
Use the Hilton Honors Points Calculator to determine which cards will earn you the most points based on the monthly and yearly spend amounts you enter.
Results will include credit cards that earn Hilton Honors Points directly and credit cards that earn rewards that are transferable to your Hilton Honors account.
Click Search For The Best Cards to find out which credit cards will offer you the most value based on the spend amounts you entered.
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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.
All spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.
