Calculate Which Cards Earn You The Most Hilton Points

Best Cards Calculator
Find out which credit cards will earn you the most Hilton Honors Points based on your spend. Includes Hilton and transfer partner credit cards. Plus, get our top picks for best cards.
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Last Updated 2021-05-21

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.

Best Credit Cards For Hilton Honors Points

Hilton Credit Cards
AMEX Membership Rewards (1:1)
American Express® Gold Card
Best For Dining & U.S. Supermarkets
American Express® Green Card
Best For Travel Purchases
The Platinum Card® from American Express
Best For Lounge Access & Luxury Travel

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

Hilton Honors American Express Card
Hilton Honors American Express Card

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.

Hilton Honors American Express Card
Hilton Honors American Express Card
Intro Bonus
Earn Up to 130,000 Hilton Honors Bonus Points
Rewards Rate
7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio
5X
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Main Card Highlights
  • Earn 80,000 Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Occasional Hilton Stays

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card

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.

Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass Card
Intro Bonus
Earn Up to 180,000 Hilton Honors Bonus Points
Rewards Rate
12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6X
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
Main Card Highlights
  • Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
Annual Fee
Enjoy $0 intro Annual Fee for the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Earning On Business Spend

Hilton Honors American Express Business Card
Hilton Honors American Express Business Card

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.

The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Intro Bonus
Earn up to 180,000 Hilton Honors Bonus Points
Rewards Rate
12X
Earn 12X at hotels & resorts in the Hilton portfolio
6X
Earn 6X on Select Business & Travel Purchases
3X
Earn 3X on all other eligible purchases.
Main Card Highlights
  • Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms Apply.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Dining & U.S. Supermarkets

American Express® Gold Card
American Express® Gold Card

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.

Intro Bonus
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
See if you're pre-approved for this card using the CardMatch™ tool.
Rewards Rates
4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
1X
Earn 1X Membership Rewards® point on all other purchases.
Main Card Highlights
  • Rose Gold is here to stay. Card members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$250
Authorized User Fee
$0 for the first five add'l cards, then $35 per card for the sixth card onward
Foreign Transaction Fee
None

Best For Travel Purchases

American Express® Green Card
American Express® Green Card

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.

Rewards Rate
3X
Earn 3X at restaurants including takeout or delivery.
3X
Earn 3X on transit including trains, buses, ferries, subway, and more.
3X
Earn 3X on travel including airfare, hotels, cruises, tours, car rentals, and more.
1X
Earn 1X on all other purchases.
Main Card Highlights
  • $100 CLEAR Credit to Help You Breeze Through Security - With CLEAR®, your eyes and fingertips can help you get through security faster at select airports and stadiums nationwide.
  • $100 Credit for Lounge Access - Use the American Express® Green Card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year.
  • No foreign transaction fees
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
None

Best For Lounge Access & Luxury Travel

Platinum Card® from American Express
Platinum Card® from American Express

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.

Intro Bonus
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
See if you're pre-approved for this card using the CardMatch™ tool.
Rewards Rate
10X
Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, on up to $500,000 per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1X
Earn 1X Membership Rewards® Points on all other purchases.
Main Card Highlights
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Annual Fee
$695
Authorized User Fee
$175 for up to 3 additional Platinum cards and $175 for each additional Platinum card after the first 3
Foreign Transaction Fee
None

Best Credit Cards For Hilton Honors Points Summary

Credit Card Best For Annual Fee Rewards Calculator
Hilton Honors American Express Card No-Annual Fee $0 Learn More
Hilton Honors American Express Surpass® Card Occasional Hilton Stays $95 Learn More
The Hilton Honors American Express Business Card Earning On Business Spend $95 Learn More
American Express® Gold Card Dining & U.S. Supermarket $250 Learn More
American Express® Green Card Travel Purchases $150 Learn More
The Platinum Card® from American Express Lounge Access & Luxury Travel $695 Learn More

Calculate Hilton Honors Points

This calculator will give you a list of the best credit cards for earning Hilton Honors Points based on your monthly, yearly, or quarterly spend across different categories. 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.

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Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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