Best Credit Cards For Earning Hilton Points

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Check out our top picks of the best credit cards for earning Hilton Honors Points and find out which cards earn you the most points based on your spend.
Last Updated 2022-04-26

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 For No-Annual Fee
Annual Fee: $0
Rewards Rate
7X
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
5X
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.
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
80,000 Bonus Points
Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
Best For Occasional Hilton Stays
Annual Fee: $0 intro annual fee for the first year, then $95
Rewards Rate
12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
6X
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.
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
130,000 Bonus Points
Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership.
Best For Business Spend
Annual Fee: $95
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. Terms & Limitations Apply.
130,000 Bonus Points
Earn 130,000 Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
Best For Dining & U.S. Supermarkets
Annual Fee: $250
Rewards Rate
4X
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
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® Points on all other Card purchases
60,000 Points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Best For Travel Purchases
Annual Fee: $150
Rewards Rate
3X
Earn 3X points per $1 spent on travel, transit, and restaurant purchases
1X
Earn 1X points per $1 spent on all other purchases
40,000 Points
Earn 40,000 Membership Rewards® Points after you spend $2,000 on purchases on the Card in your first 6 months of Card Membership.
Best For Lounge Access & Luxury Travel
Annual Fee: $695
Rewards Rate
5X
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
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
1X
Earn 1X Membership Rewards® Points on all other card purchases
100,000 Points
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

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.

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.

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.

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.

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.

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.

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.

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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.