Best Credit Cards For Hilton Honors Points

Top Picks + Hilton Honors Points Calculators
Want to earn more Hilton Honors points? Our credit card calculator helps you find the best card to earn rewards and save money on your next trip.
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Last Updated 2023-05-19 By R.Flowers III

Hilton offers four credit cards that offers superb benefits along with the ability to earn lots of points on everyday spending. You can also earn Hilton Honors points by transferring American Express Membership Rewards points directly to your Hilton Honors account.

On this page you will find our top credit card picks for earning Hilton Honors points, a list of the best Hilton credit card offers, and a calculator that will help you determine which cards will earn you the most points.

Best Credit Cards For Hilton Honors

Hilton Honors American Express Surpass® Card

Best For Hilton Travelers
  • Earning Rate: Earn 12X Hilton Honors points on Hilton spend, 6X points on U.S. restaurant, U.S. supermarket, and U.S. gas station spend, and 3X points on all other purchases.
  • Main Highlights: Complimentary Hilton Honors Gold status, 10 complimentary Priority Pass lounge passes annually, free weekend night reward after spending $15K, and access to Hilton's Fifth Night Free benefit.
  • Intro Bonus: Earn 130,000 Hilton Honors Bonus Points and one Free Night Reward from Hilton Honors after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 3 months of Card Membership.
  • Annual Fee: $0 intro annual fee for the first year, then $95. (See Rates and Fees)
  • Summary: The Surpass Card is the most well-rounded card for Hilton Travelers and offers exceptional value at a great pricing point. It's the best option if you stay at standard Hilton brand hotels and want to earn a high amount of points on your everyday purchases.

The Platinum Card® from American Express

Best For Luxury Travel & Worldwide Lounge Access
  • Earning Rate: Earn 5X points on airfare booked direct or through American Express Travel (on up to $500,000 of these purchases per year) and 5X points on prepaid hotel bookings through American Express Travel. All other purchases will earn you 1X.
  • Annual Credits: Up to $300 in Equinox credit, up to $240 digital entertainment credit, up to $200 airline fee credit, $200 Uber Cash (up to $15 per month and up to $35 in December), $200 in Fine Hotels + Resorts® or The Hotel Collection credit on 2 night minimum bookings, $189 CLEAR® Plus credit, $155 Walmart+ credit (up to $12.95 per month, subject to auto-renew), and up to $100 Saks Fifth Avenue credit ($50 bi-annually).
  • Main Highlights: Global lounge access (Centurion lounges, Delta SkyClub lounges, Airspace lounges, Escape lounges, and Priority Pass lounges), superb purchase insurance, complimentary elite status with Hilton and Marriott, and up to a $100 statement credit every 4 years for Global Entry or up to $85 statement credit every 4.5 years for TSA PreCheck application fee.
  • Transfer Ratio: 1,000 Membership Rewards Points = 2,000 Hilton Honors Points.
  • Intro Bonus:
  • Annual Fee: $695. $175 for up to 3 additional Platinum cardholders, then $175 per card for the 4th user onward. (See Rates and Fees)
  • Summary: The Platinum Card has a very hefty annual fee, but it can easily be offset by the large amount of annual credits, lounge access, intro bonus, and other benefits. On top of that, you can add 3 additional Platinum users for $175 total and they will have their own lounge access, complimentary elite status, and Global Entry/TSA PreCheck credit.

American Express® Gold Card

Best For Restaurant & Supermarkets
  • Earning Rate: Earn 4X Membership Rewards points on restaurant purchases worldwide, 4X at U.S. supermarkets (up to $25,000 per year, then 1X), 3X points on airfare purchased direct or through American Express Travel, and 1X points on all other purchases.
  • Annual Credits: Up to $120 in annual dining credit ($10 per month) and up to $120 in annual Uber Cash ($10 per month).
  • Main Highlights: Book hotels through The Hotel Collection with American Express Travel and receive a $100 hotel credit and room upgrade upon arrival (when available) when booking at least a two consecutive night stay.
  • Transfer Ratio: 1,000 Membership Rewards Points = 2,000 Hilton Honors Points.
  • Intro Bonus:
  • Annual Fee: $250. (See Rates and Fees)
  • Summary: The American Express Gold Card is the leading card for earning travel rewards on restaurant and supermarket purchases. If you plan on transferring points to Hilton or any of AMEX's other hotel and airline partners, this card will offer significant value.

American Express® Green Card

Best For Travel Purchases
  • Earning Rate: Earn 3X Membership Rewards points on travel, transit, and at restaurants, and 1X on all other purchases.
  • Annual Credits: Up to $189 in CLEAR credit and up to $100 in LoungeBuddy credit.
  • Transfer Ratio: 1,000 Membership Rewards Points = 2,000 Hilton Honors Points.
  • Intro Bonus: Earn 60,000 Membership Rewards® Points after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 20% back on eligible travel and transit purchases made during your first 6 months of Card Membership, up to $200 back in the form of a statement credit.
  • Annual Fee: $150.
  • Summary: The Green Card is often slept on as it lives in the shadows of The Platinum Card and the American Express Gold Card. It's actually a solid travel credit card that can earn a great deal of points if you frequently spend across the 3 categories featured on the card.

Hilton Honors American Express Card

Best For No-Annual Fee
  • Earning Rate: Earn 7X Hilton Honors points on Hilton purchases, 5X points on U.S. supermarket, U.S. supermarket, and U.S. gas station purchases, and 3X points on all other purchases.
  • Main Highlights: Complimentary Hilton Honors Silver status and access to Hilton's Fifth Night Free benefit.
  • Intro Bonus: Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
  • Annual Fee: $0. (See Rates and Fees)
  • Summary: If you don't stay at Hilton's often, but you want to build up points towards a few free nights per year, then the Hilton Honors AMEX is a solid choice.

The Hilton Honors American Express Business Card

Best For Hilton Business Travelers
  • Earning Rate: Earn 12X Hilton Honors points at Hilton properties, 6X on restaurants, wireless phone providers, gas stations, and shipping purchases all within the U.S., 6X on airfare booked directly with airlines or Amex Travel and car rentals, and 3X spent everywhere else.
  • Main Highlights: 10 Priority Pass visits, complimentary Hilton Honors Gold status, and ability to earn up to 2 weekend night rewards.
  • Intro Bonus: Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
  • Annual Fee: $95. (See Rates and Fees)
  • Summary: This is one of the best hotel business credit cards in the market in terms of overall value. Hilton points aren't worth a lot compared to other programs, but this card allows you to earn so many that it easily makes up for it. If you business frequently deals with Hilton or you're just looking to earn lots of Hilton points and experience some great benefits, this is a card you'll want to have.

Best Credit Card Offers

Want to boost your Hilton Honors points balance? Here are 10 of the best credit card offers currently available from our partners for earning Hilton Honors points. This table is updated automatically whenever our partner offers change, so you will always find the most up-to-date bonuses listed.

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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.

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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.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

**Amount of rewards when transferred to program.

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