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Hilton Honors

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Reconsideration Phone
800.528.4800

Breaking Points

March 5, 2024
American Express
Mini Points - March 2024

- Amex Bonvoy Brilliant - Earn 185,000 points after spending $6000 in 6 months, $650 annual fee.

- Amex Bonvoy Bevy - Earn 155,000 points after spending $5000 in 6 months, $250 annual fee.

- Amex Hilton Honors Surpass - Earn 155,000 points after spending $3000 in 6 months, $150 annual fee.

- Amex Hilton Honors Aspire - Earn 175,000 points after spending $6000 in 6 months, $550 annual fee.

- Amex Hilton Honors - Earn 100,000 points after spending $2000 in 6 months, $0 annual fee.

- Wyndham Rewards Earner - 75,000 points after spending $2000 in 6 months, $0 annual fee.

- Wyndham Rewards Earner + - 100,000 points after spending $2000 in 6 months, $75 annual fee.

- Wyndham Rewards Business - 50,000 points after spending $4000 in 3 months + 50,000 points after spending $15,000 in 12 months, $95 annual fee.

October 23, 2023
American Express
Mini Points - October 2023

Here are the most recent Limited Time Offers on Cards that are NOT Chase Cards:

- AAdvantage Citi Business Card - 75,000 AA miles after spending $6000 in 6 months $0 annual fee for the first year.

- Hilton Honors American Express Surpass Card - 170,000 Hilton Honors Points after spending $3000 in the first 6 months, $150 annual fee.

- Hilton Honors American Express Aspire Card - 180,000 Hilton Honors Points after spending $6000 in the first 6 months, $550 annual fee.

- Hilton Honors American Express Card - 100,000 Hilton Honors Points after spending $2000 in the first 6 months, No annual fee.

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
175,000 $6,000 0.6 ¢ $240 $550 $776
Best Value Differentiating Perks Rules
Hilton Stays & Perks 14x Points Hilton hotel purchases. $250 Resort Statement Credit. $200 Airline Fee Credit. $100 Hilton On-property credit. Unlimited lounge visits you+2 guest. Hilton Diamond status. Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10
Offer Prior To Current Special: 150,000 Bonus points for a $4,000 spend ended Sep 2024
Card Type: Personal, Hotel

Spend Categories

Airfare + »

7X points
4.2¢ Per Dollar Spent

All Other = »

3X points
1.8¢ Per Dollar Spent

Hotels = »

14X points
8.4¢ Per Dollar Spent

Restaurants = »

7X points
4.2¢ Per Dollar Spent

Travel - »

7X points
4.2¢ Per Dollar Spent

Card Benefits

Travel Credits »
Get a $100 On-Property Credit valid with a 2+ night stay & $200 Hilton Resort fee credit per year, good on room rates and incidentals at over 230 resorts.
Lounge Access »
Get unlimited Priority Pass lounge visits, with up to 2 guests free of charge.
Car Rental Insurance »
Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .
Travel Insurance »
Lost luggage insurance up to $3,000 per person for checked and carry-on baggage.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Concierge »
Call 1-800-525-3355 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Statement Credits »
Up to $400 each year in statement credits at eligible Hilton resorts and up to $200 in annual statement credits on eligible flight purchases.
Hotel Perks »
Automatic Diamond status includes: free breakfast, late checkout, Premium WiFi, Executive Lounge access, room upgrades, including suites when available & 5th night free on reward stays.
Purchase Protection »
You're protected for up to 90 days from the purchase date, up to $300 per item and up to $1,000 per year.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Outside Point System Hilton Honors

Transfers In From
Point Transfer Options
Amex Member Rewards

1:2 86% value retained

Why You Might Want This Card

Annual Fee Can Be Offset By Hilton Perks

The card for Hilton lovers. This little nugget of a card comes with a $450 annual fee, so let's measure what you get against that small fortune. Each year, you get a $250 airline fee credit. Just pick the airline of your choice, and you can get up to $250 in incidentals like lounge fees, baggage fees, change fees, etc. You also get $250 in Hilton Resort credits. It's good for dining, spa treatment, and a host of incidentals when you stay at a Hilton resort. If you hit all those credits, you've more than covered your $450 annual fee.

A more difficult perk to redeem is the Hilton property $100 credit. You actually have to book for a Waldorf Astoria or or Conrad property through Hilton. Add a free weekend hotel night; a year's worth of unlimited Priority Pass lounge access; Hilton Diamond Status (which includes free breakfast and other niceties) -- and this card easily offsets the $450 if you take full advantage of the benefits. And, oh yeah, you also get a sign-up bonus of 150,000 Hilton points.

Check out our Hilton Honors page for more details on how to best use Hilton Points.

Bottom Line

If you prefer the Hilton brand -- and you're going to take advantage of all the perks -- this card should be in your wallet (for at least a year). Its benefits outweigh the annual fee and everyday purchases roll up those Hilton points pretty quickly. The annual reward night, coupled with your earned points, can give you and your family a weekend away in a Hotel that's only known by the rich and famous.

Application Rules

Amex will decline your application if you already have 4 credit cards (not charge) and apply for a fifth

You'll be declined if you apply for a fourth Amex card in 90 days

Card approval not subject to 5-personal-cards-in-24-months rule

Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)

Best for Series

Below is a snapshot of where this card performs best compared to the other cards in our database:

Rank 4th Honorable Mention

Breaking Points

March 5, 2024
American Express
Mini Points - March 2024

- Amex Bonvoy Brilliant - Earn 185,000 points after spending $6000 in 6 months, $650 annual fee.

- Amex Bonvoy Bevy - Earn 155,000 points after spending $5000 in 6 months, $250 annual fee.

- Amex Hilton Honors Surpass - Earn 155,000 points after spending $3000 in 6 months, $150 annual fee.

- Amex Hilton Honors Aspire - Earn 175,000 points after spending $6000 in 6 months, $550 annual fee.

- Amex Hilton Honors - Earn 100,000 points after spending $2000 in 6 months, $0 annual fee.

- Wyndham Rewards Earner - 75,000 points after spending $2000 in 6 months, $0 annual fee.

- Wyndham Rewards Earner + - 100,000 points after spending $2000 in 6 months, $75 annual fee.

- Wyndham Rewards Business - 50,000 points after spending $4000 in 3 months + 50,000 points after spending $15,000 in 12 months, $95 annual fee.

October 23, 2023
American Express
Mini Points - October 2023

Here are the most recent Limited Time Offers on Cards that are NOT Chase Cards:

- AAdvantage Citi Business Card - 75,000 AA miles after spending $6000 in 6 months $0 annual fee for the first year.

- Hilton Honors American Express Surpass Card - 170,000 Hilton Honors Points after spending $3000 in the first 6 months, $150 annual fee.

- Hilton Honors American Express Aspire Card - 180,000 Hilton Honors Points after spending $6000 in the first 6 months, $550 annual fee.

- Hilton Honors American Express Card - 100,000 Hilton Honors Points after spending $2000 in the first 6 months, No annual fee.

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