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.