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 Hilton Travelers: Hilton Honors American Express Surpass® Card
- Best For Hilton Business Travelers: The Hilton Honors American Express Business Card
- Best For No Annual Fee: Hilton Honors American Express Card
- Best For Restaurants & U.S. Supermarkets: American Express® Gold Card
- Best For Travel Purchases: American Express® Green Card
- Best For Lounge Access & Luxury Travel: The Platinum Card® from American Express
Best For Hilton Travelers
The Hilton Honors American Express Surpass® Card is the most well-rounded of the available Hilton credit cards. It earns 12 Hilton Honors points per $1 spent with Hilton, 6 points per $1 spent on U.S. restaurant, U.S. supermarket, and U.S. gas purchases, and 3 points per $1 spent everywhere else.
It comes with complimentary Hilton Honors Gold status which gives you access to Hilton's 5th night free benefit which can bump up the value of your points on 5+ night stays. It also comes with 10 Priority Pass visits which is great for relaxing before or between your flights.
Intro Bonus: Limited Time Offer! 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. Plus, enjoy $0 intro Annual Fee for the first year, then $95.
Best For Hilton Business Travelers
The Hilton Honors American Express Business Card provides a lot of great bonus categories that the other Hilton Honors cards to not. It earns 12 Hilton Honors points per $1 spent with Hilton, 6 points per $1 spent on restaurants, wireless phone providers, gas stations, and shipping purchases all within the U.S., and airfare booked directly with airlines or American Express Travel, and car rentals, and 3 points per $1 spent everywhere else.
Intro Bonus: 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 No-Annual Fee
The Hilton Honors American Express Card is the best no-annual fee option for earning Hilton Honors Points. It earns 7 Hilton Honors Points per $1 spent at Hilton properties, 5 points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, and 3 points per $1 spent 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.
Intro Bonus: Limited Time Offer! Earn 100,000 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 up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Card Membership. Offer expires 10/26/2022.
Best For Dining & U.S. Supermarkets
The American Express® Gold Card earns 4 Membership Rewards Points per $1 spent on restaurant purchases, 4 points per $1 spent on U.S. supermarket purchases (up to $25,000 per year, then 1X), 3 points per $1 spent on airfare purchased directly with an airline, and 1 point per $1 spent on everything else.
Since AMEX Membership Rewards Points transfer to Hilton at a 1:2 ratio, you're looking at the equivalent between 2X and 8X Hilton Honors points on all purchases which is fantastic.
The American Express® Gold Card offers up to $120 in annual dining credits and up to $120 in annual Uber Cash which easily additional value to the card (enrollment required).
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.
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 3 Membership Rewards Points per $1 spent 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 an annual $100 credit for CLEAR and up to $100 in annual LoungeBuddy credits.
Intro Bonus: 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
The Platinum Card® from American Express is a luxury travel card that offers a bunch of benefits and perks including extensive lounge access, over $1,400 in annual credits, great purchase and travel insurance, complimentary elite status with both Hilton and Marriott, and so much more.
It earns 5 Membership Rewards Points per $1 spent on airfare booked directly with an airline or through the AMEX Travel portal and on hotels booked through the AMEX Travel portal and 1 point per $1 spent on all other purchases.
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.
Best Credit Cards For Hilton Honors Points Summary
|Credit Card||Best For||Annual Fee|
|Hilton Honors American Express Surpass® Card||Hilton Travelers||$95|
|The Hilton Honors American Express Business Card||Hilton Business Travelers||$95|
|Hilton Honors American Express Card||No-Annual Fee||$0|
|American Express® Gold Card||Restaurants & U.S. Supermarkets||$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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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.