If you want Hilton perks without paying an annual fee, the Hilton Honors American Express Card (see rates and fees) is the simplest way to get started.
This entry-level Hilton card offers automatic elite status, strong bonus categories and useful travel protections — all for no annual fee. While it doesn’t come with premium statement credits or free night awards, it can deliver solid value for casual Hilton guests.
We recommend that applicants have good to excellent credit to improve their approval odds.
Here’s everything you need to decide if the card is right for your wallet.
Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Hilton Honors American Express Card: The basics
The Hilton Honors American Express Card is an entry-level option in Hilton’s cobranded card portfolio. It’s best suited for travelers who want to dip their toes into the Hilton Honors program without committing to an annual fee.
The card earns elevated rewards at Hilton properties and in several everyday spending categories, making it accessible for beginners building a Hilton points balance. However, its greatest value lies directly in Hilton stays.
We’ll dive into all the card’s benefits further down, but a few standout features include:
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts
- Earning 7 points per dollar spent on eligible purchases made directly with Hilton hotels and resorts
- Enjoying automatic Silver elite status, which includes a 20% bonus on base points and a fifth night free on award stays
- Having the opportunity to earn Hilton Honors Gold status after spending $20,000 on your card in a calendar year
That said, because it has no annual fee, it also lacks the richer benefits found on Hilton’s higher-tier cards. For example:
The Hilton Honors Amex doesn’t compete with those cards on premium perks, but it also doesn’t charge you to carry it.
Related: 7 ways to redeem points with the Hilton Honors program
Hilton Honors American Express Card pros and cons
| Pros | Cons |
|---|---|
|
|
Hilton Honors American Express Card benefits
As a no-annual-fee card, the Hilton Honors Amex offers a respectable mix of rewards and protections.
Hilton Honors Silver elite status
Cardmembers automatically receive Hilton Honors Silver status, which includes:
- A 20% bonus on base points earned during paid stays
- A fifth night free on award stays
- Elite rollover nights
- Member-exclusive discounts
The fifth-night-free benefit can significantly boost the value of your points when redeeming for stays lasting five or more nights.
You can earn Hilton Honors Gold elite status through the end of the next calendar year by spending $20,000 in a calendar year. Gold status includes:
- An 80% bonus on base points earned during stays
- Complimentary breakfast at select properties
- Space-available room upgrades
However, it’s worth noting that other Hilton credit cards offer Gold status automatically, so spending $20,000 to reach it isn’t a good value.
Related: Hilton Honors elite status: What it is and how to earn it
Amex experiences
Through Amex Experiences, cardmembers can access exclusive ticket presales and cardmember-only events, including Broadway shows, concert tours and sporting events.
Related: Best ways to use Amex Membership Rewards points, from business-class flights to Europe to budget-friendly hotel stays
Travel and purchase protections
Even without an annual fee, the card includes several protections (terms apply):
- Extended warranty*: Adds up to one year to an original manufacturer’s warranty of five years or less
- Purchase protection*: Covers eligible items for up to 90 days against accidental damage or theft (up to $1,000 per covered purchases; up to $50,000 per calendar year)
- Secondary car rental loss and damage coverage**: Covers damage or theft when you decline the rental company’s insurance
*Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
**Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.
Related: Everything you need to know about American Express purchase protection
How to earn and use your rewards
Earning points on the Hilton Honors Amex
With the Hilton Honors Amex, you’ll earn:
- 7 points per dollar spent on stays at Hilton hotels and resorts (including paying for your room and on-site spending at restaurants and spas)
- 5 points per dollar spent at U.S. restaurants (including takeout and delivery)
- 5 points per dollar spent at U.S. gas stations and U.S. supermarkets
- 3 points per dollar spent on other eligible purchases
Based on TPG’s May 2026 valuation of Hilton points at 0.4 cents apiece, you’ll earn a 2.8% base return at Hilton properties. However, with the bonus points you’ll receive with Silver elite status, you’ll earn 12 points per dollar spent on eligible Hilton purchases on top of your card earnings. This bumps your return to 19 points per dollar, or an impressive 7.6% return on your spending.
Additionally, you’ll receive a 2% return on spending at U.S. supermarkets, U.S. gas stations and U.S. restaurants (including takeout and delivery) and a 1.4% return on all other eligible purchases.
If you’re looking for higher earning opportunities covering a wider swath of travel purchases, including flights and rental cars, you won’t get that with this card. Generally, we don’t recommend using a hotel card for non-hotel purchases unless you’re working toward a welcome bonus or you need to top off your points balance. Instead, consider a transferable points credit card.
Related: Which credit card should you use for Hilton stays?
Redeeming points on the Hilton Honors Amex
You’ll typically get the best value redeeming Hilton points for hotel stays. Award pricing is dynamic, so redemption rates vary by property and date.
The Points Explorer tool can show you what other guests have paid recently, giving you an idea of how much a given award stay might cost.
You can also transfer your Hilton Honors points to over 25 airline loyalty programs worldwide, but transfer ratios are typically poor. Unless you’re topping off an airline account for a specific award, hotel redemptions will provide better value.
You’ll do even better when you redeem points for a stay of five nights or longer. That’s because you get a fifth night free on points stays, thanks to your Hilton Silver status.
Eric Rosen, TPG’s director of travel content, used the fifth-night-free benefit to maximize the value of his points for a stay at the Waldorf Astoria Los Cabos Pedregal in Mexico. Thanks to this feature, he saved 120,000 Hilton points on his stay.
Related: How (and why) you should earn transferable credit card points
Potential drawbacks to the Hilton Honors American Express Card
Although the Hilton Honors Amex offers solid value for a no-annual-fee card, it’s clearly an entry-level product.
If you want, automatic Gold or Diamond status, annual free night awards, statement credits and higher Hilton earning rates, I recommend looking into Hilton’s mid-tier or premium cards, where you can extract more value — albeit at a cost.
Related: How to choose the best credit card for you
Is the Hilton Honors American Express Card worth it?
You might assume the Hilton Honors Amex is worth it by default since it has no annual fee, but the real question is whether you’ll use its Hilton-specific benefits.
It’s a good fit if you:
- Stay at Hilton properties at least a couple of times per year
- Want entry-level elite status without paying a fee
- Are new to hotel rewards cards
It’s less compelling if you:
- Rarely stay at Hilton properties
- Want instant premium perks like complimentary breakfast
- Prefer flexible, transferable points
Related: The best no-annual-fee hotel credit cards
When to apply for the Hilton Honors American Express Card
New Hilton Honors Amex Card members can earn 100,000 bonus points and a $100 statement credit after spending $2,000 on purchases in the first six months of card membership.
According to TPG’s May 2026 valuations, Hilton points are worth 0.4 cents apiece, making the points portion of this welcome offer worth $400. Combined with the $100 statement credit, the offer has a total value of $500.
Remember that Amex only allows you to earn one welcome bonus per card, per lifetime, so it’s very important to apply at the right time. Amex will alert you before submitting an application if you’re not eligible for a welcome bonus.
Related: Best time to apply for Hilton American Express cards based on offer history
Other cards to consider if you don’t want the Hilton Honors American Express Card
The Hilton Honors Amex has natural competitors with “Hilton” in their names, but a general travel rewards credit card may also do better in your wallet. Here are a few of the options you should consider.
For additional options, see our list of the best hotel credit cards, the best Hilton credit cards and the best American Express credit cards.
Related: Hilton Surpass vs. Hilton Amex: Is it worth paying $150 for extra perks?
Bottom line
The Hilton Honors American Express Card is best viewed as a no-frills way to earn Hilton points and enjoy entry-level perks without paying an annual fee.
It won’t wow frequent travelers with premium benefits, but for casual Hilton guests who want to earn rewards and unlock the fifth-night-free perk at no cost, it’s a smart, low-risk addition to your wallet.
Apply here: Hilton Honors American Express Card
For rates and fees of the Hilton Honors Amex Card, click here.
For rates and fees of the Hilton Honors Amex Surpass Card, click here.
For rates and fees of the Hilton Honors Amex Aspire Card, click here.
Discussion about this post