Earn 7X points at Hilton hotels with no annual fee

Hilton Honors AMEX Card Calculator: Points Estimator & Rewards Breakdown

Fees

Earning Rates

Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts 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.

Main Benefits

Complimentary Hilton Honors Silver status

Our Take

If you're looking to earn Hilton Honors points at a great rate with no annual fee, the Hilton Honors AMEX Card cannot be beat. It's one of the best no-annual fee credit cards in the market in terms of overall value per $1 spent, especially if you know how to redeem Hilton Honors points for great value.

Last Updated: 04-15-2025

Hilton AMEX Card Points Calculator

Use this calculator to estimate Hilton Honors points you’ll earn with the no-annual-fee Hilton AMEX based on your monthly spend. Compare point earnings on Hilton stays, dining, and groceries to see how it stacks up against other entry-level hotel cards.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Hilton Honors American Express Card Details

Earning Rates

The Hilton Honors AMEX Card earns Hilton Honors points at the following rates:

7 points per dollar spent on eligible purchases made directly with hotels and resorts in the Hilton portfolio.
5 points per dollar spent at U.S. restaurants, including takeout and delivery.
5 points per dollar spent at U.S. supermarkets.
5 points per dollar spent at U.S. gas stations.
3 points per dollar spent on everything else.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Hilton Honors AMEX Card:

Hilton Honors Silver Status: Enjoy complimentary Hilton Honors Silver status with your Card.
Travel & Purchase Coverage^*: Car Rental Loss and Damage Insurance and Purchase Protection.

^*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Hilton Honors AMEX Card has a $0 annual fee. See Rates & Fees

If you don't care about all the bells and whistles of Hilton's other cards, the Hilton Honors AMEX is still an excellent choice due to the solid earning rates.

Authorized User Fee

There is no fee to add authorized users to the Hilton Honors AMEX Card. Adding family and friends can help you earn more Hilton Honors points and get to your free night awards faster.

Foreign Transaction Fee

The Hilton Honors AMEX Card has a 0% foreign transaction fee. This makes it one of the best co-branded hotel credit cards for earning points on purchases made outside of the United States.