Hotel credit cards can be valuable. Typically the cards have tolerable annual rewards, and proposal outsized ethic, wandering from annual free darkness to elite status. What’s rare is to see a hotel credit cards that renders substantial perks in spite of not having an annual reward, though in this post I wanted to look at one such card.
I’ve reviewed the Hilton Honors American Express Surpass( r) Card( review) and the Hilton Honors American Express Aspire Card( review ). In this affix, I wanted to take a look at the no annual cost Hilton Honors Card from American Express( Rates& Fees ).
Is this card importance having, or is it worth getting a card with an annual fee instead? After all, you have several Hilton placards make their own choices.
Hilton Honors Card From American Express Basics For February 2022
The Hilton Honors Card from American Express is Hilton’s entry-level personal credit cards. Let’s look at a few aspects of this card, including the points earning potential, the welcome bonus, and the perks.
Welcome Bonus Of Up To 130,000 Honors Points
The Hilton Honors Card from American Express is offering a two-part welcome bonus 😛 TAGEND
Earn 80,000 Hilton Honors objects after expend $1,000 within the first three monthsEarn an additional 50,000 Hilton Honors phases after spending a total of $5,000 within the firstly six months
I value Hilton Honors spots at~ 0.5 cents each, means that I quality the 130,000 targets at ~$ 650. That’s an amazing bonus when you consider that this card has no annual fee.
Redeem Hilton Honors phases at the Waldorf Astoria MaldivesEligibility For Bonus& Amex Application Restrictions
The welcome offer on the Hilton Honors Card is not available to those who currently have this card, or those who have had this placard in the past. You qualifying for the bonus if you have had any other Hilton card, though, including any of the personal placards with an annual reward, or the Hilton Honors American Express Business Card( review ).
I find that Amex cards are fairly easy to be approved for, for those with excellent approval. Merely make sure you know Amex’s general employment restraints 😛 TAGEND
You can be approved for at most two Amex cards in a 90 -day periodYou can have at most five American Express credit cards at any pointAnnual Fee
The Hilton Honors Card from American Express has no annual fee, and you can even lent additional cardmembers with no annual cost( Rates& Fees ).
You can’t strike propping onto a no annual fee card long term. Holding onto credit cards long term helps your credit score, as it helps you increase your norm detail age. If you’re going to hold onto cards long term, you might as well determine them no annual reward cards whenever possible to minimize your out of pocket cost.
Earning Points With The Hilton Honors Card From American Express
The Hilton Honors Card from American Express offers some bonus categories for spending, though they’re not quite as robust as you are able to find on other posters. The placard offers anywhere from 3-7x Reputations times per dollar spent, will vary depending on the category you’re spending in.
The card also offers some status perks, and you can earn even more status perks if you spend money on the card.
7x Places At Hilton Hotels
The Hilton Honors Card offers 7x Hilton Honors targets for spending at Hilton properties globally. This includes all Hilton symbols, from Hampton Inn to Waldorf Astoria. I value Hilton items at~ 0.5 pennies each, so to me, that’s like a 3.5% return on hotel spending. That’s pretty good for a no annual fee card, though eventually there are better credit cards for inn spending.
Earn 7x stations on Hilton spending5x Points Bonus List
The Hilton Honors Card offers 5x stations per eligible dollar consume at U.S. diners, U.S. supermarkets, and U.S. service station. That’s the equivalent of a 2.5% return on spending in those categories, which is also great for a no annual reward card.
Earn 5x spots on supermarket purchases3x Points On Other Purchases
The Hilton Honors Card offers 3x items on all other eligible obtains, which I appreciate at a return of~ 1.5%. There are definitely better cards for everyday spending.
No Foreign Transaction Fees
The Hilton Honors Card has no foreign transaction rewards, which is great for a no annual fee card. I’ll take it a pace further — I’d consider this to be the best no annual reward Amex card for obtains abroad. Even many Amex cards with annual fees have foreign transaction rewards, so that is a noteworthy perk of this card.
No Annual Fee Hilton Honors Card Benefits
Despite having no annual fee, the Hilton Honors Card from American Express offers some potentially useful benefits. You get status just for having the card, and entitled to receive elevated status if you invest “ve had enough of” the card.
Let’s look at the details of those benefits.
Hilton Honors Silver Status
Just for having the Hilton Honors Card you get complimentary Hilton Honors Silver status. This is Hilton’s entry-level status, and while the perks are limited, it’s nice that they give it to you on a no annual fee card.
The benefits of Hilton Honors Silver status be as follows 😛 TAGEND
Fifth night free on awarding stays2 0% objects bonusTwo bottles of water
Hilton Honors Silver representatives receive a fifth nighttime free on accolade redemptionsHilton Honors Gold Status With Spending
You can pay Hilton’s mid-tier Gold status for spending on the Hilton Honors Card. If you waste $20,000 on the card in a given calendar year you’ll give Hilton Honors Gold status, which comes with the following perks 😛 TAGEND
Free breakfast and/ or director sofa access( for 2022 you get a daily food& liquid approval in lieu of this at belongings in the United Government) Late check-out, subject to availabilityPreferred rooms8 0% pitches bonus
Hilton Honors Gold members are able to obtain complimentary breakfastAmex Offers
One of my favorite features of Amex cards is access to Amex Offers, which provides for savings on acquires with every kind of retailers. There’s gigantic evaluate to be had in getting as countless Amex cards as possible, so that you can get these furnishes on variou cards.
What’s peculiarly formidable is that this card has no annual cost, so Amex is basically compensating you to have this poster when you consider the savings opportunities.
Is The Hilton Honors Card From American Express Worth It?
For a no annual cost card, I consider the Hilton Honors Card from American Express is pretty awesome. The placard has a huge welcome bonus( gravely, this is an incredible bonus for a no annual fee card ), it gives you access to Amex Offers( which can save you a lot of money ), it offers Hilton Honors Silver status( which gets you a fifth nighttime free on awards ), and more.
The bonus lists are pretty good too for a no annual reward poster, like being able to earn 7x stations on Hilton keeps, and 5x targets on supermarket, service station, and restaurant buys. Combine that with no foreign event fees, and this is one of the best no annual cost placards to use abroad.
For someone who perfectly doesn’t want to pay an annual fee but who also likes Hilton Honors, I think this is a great card to consider. It has the potential to has become a good option if you’re looking to downgrade one of Hilton’s premium credit cards.
Best No Annual Fee Card?
If I could recommend really one no annual cost card, I’d recommend the Citi( r) Double Currency Card( review ). The card gives 1% money back when you make a purchase, and 1% cash back when you pay for that obtain. Best of all — and this is truly what offsets the card remarkable — rewards can be converted into Citi ThankYou places( in conjunction with other cards) at the rate of one cent per point.
Bottom Line
The Hilton Honors Card from American Express is a great no annual reward card. The card has an excellent welcome bonus, offers 3-7x places per dollar devote with no foreign deal fees, gets you Hilton Honors Silver status, and gives you access to Amex Offers. For someone looking for a no annual cost card, this is a great option. This is the case more now than ever before, given the current bonus.
The following links will target you to the rates and rewards for mentioned American Express Cards. These include: Hilton Honors American Express Card( Rates& Fees ).
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