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The 8 Best Credit Cards for Hilton Honors Loyalists [2024]

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Christine Krzyszton

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The 8 Best Credit Cards for Hilton Honors Loyalists [2024]

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Whether it’s the special treatment you receive during your stay due to having Hilton Honors elite status, or enjoying the free hotel nights you’ve earned, there are benefits to be realized with a Hilton-branded card in your wallet.

If you’ve chosen Hilton as your preferred brand and still haven’t decided to secure a Hilton-branded card, it’s your lucky day.

Our article focuses on you, the Hilton loyalist, and contains information that can help you select the right card to enhance and maximize your existing Hilton relationship. We’ll also discuss the value a general travel rewards card could offer a Hilton fan.

The 8 Best Credit Cards for Hilton Loyalists — Overview

Before we expand on the benefits of Hilton-branded cards and how a travel rewards card can add value for a Hilton loyalist, let’s look at a summary of the cards we’ll be discussing in our article.

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Rewards Card

Earnings

Hilton Benefits

Annual Fee

Hilton Honors American Express Card
  • 7x points at Hilton hotels and resorts
  • 5x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • Complimentary Hilton Honors Silver status
  • Spend $20,000 in a calendar year to receive Hilton Honors Gold status
$0 (rates & fees)

Hilton Honors American Express Surpass® Card
  • 12x points at Hilton hotels and resorts
  • 6x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points on U.S. online retail purchases
  • Complimentary Hilton Honors Gold status
  • Top-tier Diamond status after spending $40,000 on the card in a calendar year
  • Free Night Reward after spending $15,000 on the card in a calendar year

$150 (rates & fees)

Hilton Honors American Express Aspire Card
  • 14x points at Hilton hotels and resorts
  • 7x points on flights purchased directly from the airline or AmexTravel.com, car rentals booked directly with select companies, and at U.S. restaurants
  • Complimentary Hilton Honors Diamond status
  • Free Night Reward each card anniversary year
  • Up to $400 statement credit at Hilton Resorts
  • Up to $100 property credit each card anniversary at Conrad and Waldorf Astoria properties
$550
The Platinum Card® from American Express
  • 5x points on flights and prepaid hotels purchased via AmexTravel.com and flights purchased directly with the airline (up to $500,000 spent)
  • Complimentary Hilton Honors Gold status upon enrollment
  • Membership Rewards points transfer to Hilton Honors at a 1:2 ratio

$695 (rates & fees)

American Express® Gold Card
  • 4x points at U.S. supermarkets, up to $25,000 per year and at restaurants, including takeout and delivery, up to $50,000 per year
  • 3x points on flights purchased directly with airlines or AmexTravel.com
  • Membership Rewards points transfer to Hilton Honors at a 1:2 ratio

$325 (rates & fees)

The Hilton Honors American Express Business Card
  • 12x points at Hilton
  • 5x points on other purchases made for the first $100,000 each calendar year, then 3x points thereafter.
  • Complimentary Hilton Honors Gold status
  • Up to $240 back each year for eligible purchases made directly with Hilton
  • Complimentary National Car Rental® Emeral Club Executive® status. Enrollment required.

$195 (rates & fees)

The Business Platinum Card® from American Express
  • 5x points on flights and prepaid hotels purchased with AmexTravel.com and on flights purchased directly with the airline
  • 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (spending cap applies)
  • Complimentary Hilton Honors Gold status upon enrollment
  • Membership Rewards points transfer to Hilton Honors at a 1:2 ratio

$695 (rates & fees)

American Express® Business Gold Card
  • 4x points on your highest 2 qualifying business expenses each statement period, up to $150,000 in purchases each calendar year
  • Membership Rewards points transfer to Hilton Honors at a 1:2 ratio

$375 (rates & fees)

Now, let’s move on and take a look closer at each of our featured cards to determine the level of benefits each one can provide the Hilton devotee.

Bottom Line: Hilton-branded cards may deliver the best value for Hilton loyalists. A travel rewards card could be a better choice for those who only stay at Hilton properties occasionally or if Hilton is not their preferred hotel brand.

Best Hilton-Branded Cards

American Express offers 3 personal Hilton Honors-branded cards, all of which come with complimentary elite status, elevated earnings at Hilton properties, and bonus-earning categories that help your points stash add up quickly.

Hilton Honors American Express Card

Hilton Honors American Express CardTerms Apply / Rates & Fees
Hilton Honors American Express Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Card
Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases in the first 6 months of Card Membership.
80,000 points
$400
$0
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros
  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
Cons
  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
Read Full Review
  • Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors Loyalty Program

If you prefer not to pay an annual fee but are still interested in elevated points earnings and elite status with Hilton Honors, the entry-level Hilton Honors card deserves your attention.

Why We Like the Card for Hilton Loyalists

  • Complimentary Hilton Honors Silver status with an opportunity to earn Gold status by spending $20,000 on the card in a calendar year
  • 7x points on purchases charged directly with a hotel or resort within the Hilton portfolio
  • 5x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 3x points on all other purchases
  • Travel/shopping benefits and protections

We like that the card offers elevated rewards at Hilton properties but also offers 3x points on everyday purchases. Earning points on purchases you’re already making and securing reward Hilton hotel nights in the process is a win-win.

The Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees
Hilton Honors American Express Surpass® Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Surpass® Card
An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in the first 6 months of Card Membership.
130,000 points
$650
$150
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros
  • 12x points per $1 at Hilton hotels
  • 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
Cons
Read Full Review
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors

The Hilton Surpass card kicks the earnings up a notch and offers complimentary Hilton Honors Gold status, and the opportunity to earn free hotel night certificates.

Why We Like the Card for Hilton Loyalists

  • Complimentary Hilton Honors Gold status
  • Hilton Honors Diamond status after spending $40,000 on the card in a calendar year
  • Free Night Reward after spending $15,000 on the card in a calendar year
  • 12x points at hotels and resorts within the Hilton portfolio
  • 6x points at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points on U.S. online retail purchases
  • 3x points all other purchases

The Hilton Surpass card strikes a nice balance between annual fee outlay and corresponding benefits. It also provides strong bonus category earnings that make it easy to accumulate Hilton Honors points that can be redeemed for additional reward hotel nights.

Hilton Honors American Express Aspire Card

LIMITED TIME OFFER
Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees
Hilton Honors American Express Aspire Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Aspire Card
Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
175,000 points
$875
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros
  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
Cons
    • High annual fee of $550
Read Full Review
  • Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for other purchases on your card.
  • Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $550 annual fee.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None

The Hilton Aspire card packs in a ton of value for the traveler who favors the Hilton brand. With complimentary top elite status, hundreds of dollars in statement credits, free hotel nights, and elevated earnings, it’s a card that pays for itself in value delivered.

Why We Like the Card for Hilton Loyalists

  • Complimentary Hilton Honors Diamond top elite status
  • Free Night Reward after opening the card and at subsequent card anniversary upon renewal
  • Additional free hotel night certificates after spending a total of $30,000 and $60,000 in a calendar year
  • Up to $400 Hilton Resort statement credit
  • Up to $100 Conrad or Waldorf Astoria property credit
  • Up to $200 airline incidental fees statement credit
  • 14x points at participating Hilton hotels and resorts
  • 7x points on flights purchased directly with the airlines and AmexTravel.com, select car rentals, and U.S. restaurants
  • 3x points on all other purchases

Learn more about earning Hilton Honors points and maximizing your points at redemption time.

Bottom Line: There’s a Hilton-branded card for every level of Hilton guest. Plus, each card comes with elevated earnings at Hilton brands, additional bonus spending categories, complimentary Hilton Honors elite status, and travel/shopping benefits.

Best Alternative Personal Cards

The best travel rewards cards can also provide Hilton benefits. Here are 2 of the cards we like best for earning rewards that allow you to secure free hotel nights with Hilton in addition to many other travel benefits.

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
Read Full Review
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card is considered royalty among travel rewards cards. The card is built for the frequent traveler who values premium travel perks such as worldwide airport lounge access, elevated rewards earning on flight purchases, and complimentary hotel elite status. Note that some benefits require enrollment, so be sure to explore your American Express account to get the most out of your card.

Why We Like the Card for Hilton Loyalists

This is just a sampling of the core benefits that come with the Amex Platinum card.

It’s important to note that prepaid Hilton reservations made through AmexTravel.com could result in a forfeit of any elite benefits associated with your Hilton Honors status.

American Express® Gold Card

NEW OFFER
American Express® Gold CardTerms Apply / Rates & Fees
American Express® Gold Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
60,000 points + up to $100 back
$1,420
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
Read Full Review
  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points + up to $100 back. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card earns valuable Membership Rewards points on everyday purchases, and you’ll find it easy to turn those rewards into reward Hilton hotel nights.

Spending $25,000 on the Amex Gold card in 4x points-earning categories each year can translate into 100,000 Membership Rewards points.

You’ll also find that Membership Rewards points earned on the card can be transferred to airline partners where you can receive even greater value by booking award flight tickets.

Why We Like the Card for Hilton Loyalists

  • The card earns Membership Rewards points that transfer to Hilton Honors points at a 1:2 ratio
  • 4x points at U.S. supermarkets, up to $25,000 spent in a calendar year (1x thereafter)
  • 4x points at restaurants, including takeout and delivery in the U.S., up to $50,000 spent in a calendar year (1x thereafter)
  • 3x points on flights purchased directly with the airlines or on AmexTravel.com

Bottom Line: If you stay at Hilton just occasionally and are not a Hilton loyalist, a travel rewards card could be an alternative that offers the opportunity to secure reward Hilton hotel nights and even Hilton Honors elite status while not locking you into the program. 

Best Business Cards

If you own a business, it makes economic sense to earn rewards on every purchase you make. If you’re a business owner who frequents Hilton properties, a Hilton-branded card supplemented by a general travel rewards card could be a wise combination.

You could receive complimentary elite status, elevated earnings, reward hotel nights, and much more.

Here are our choices for the best business credit cards for Hilton fans.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business CardTerms Apply / Rates & Fees
The Hilton Honors American Express Business Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Learn More(at Amex's secure site)
The Hilton Honors American Express Business Card
An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
130,000 points
$650
$195
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros
  • Earn 12x points per $1 on eligible Hilton purchases
  • Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
  • Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status
Cons
Read Full Review
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
  • Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
  • You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • Terms apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors loyalty program

The frequent business traveler who stays at Hilton properties will appreciate the perks of the Hilton Business Amex card. Paying your business expenses with the card can result in elevated elite status.

The card also has a lower annual fee than many comparable business credit cards with similar benefits.

Why We Like the Card for Hilton Loyalists

  • Complimentary Hilton Honors Gold status
  • Opportunity to earn top Hilton Honors Diamond status after spending $40,000 on the card in a calendar year
  • 12x points at Hilton hotels and resorts
  • 5x points on other purchases made for the first $100,000 each calendar year, then 3x points thereafter
  • Up to $240 back each year for eligible purchases made directly with Hilton

The Business Platinum Card® from American Express

ELEVATED OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Business Platinum Card® from American Express
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
Read Full Review
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card heavily rewards the business owner who spends a lot on flights, wants the extra perks of elite status, and values worldwide lounge access.

Why We Like the Card for Hilton Loyalists

  • Membership Rewards points earned on the card can be transferred to Hilton Honors at a 1:2 ratio
  • Complimentary access to over 1,400 airport lounges worldwide, including Centurion Lounges
  • Upon enrollment, complimentary Hilton Honors Gold status and Marriott Bonvoy Gold status
  • 5x points on flights and prepaid hotels booked on AmexTravel.com
  • 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (cap applies)
  • 35% rebate of points for premium flight redemptions
  • Global Entry or TSA PreCheck fee reimbursement

American Express® Business Gold Card

100K OFFER
American Express® Business Gold CardTerms Apply / Rates & Fees
American Express® Business Gold Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 Points
$2,200
$375
19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
Read Full Review
  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
  • The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable,0% on purchases for 6 months from date of account opening
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 100,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Gold card rewards your 2 highest business spending categories each statement period with 4x points.

Why We Like the Card for Hilton Loyalists

  • Membership Rewards points earned on the card can be transferred to Hilton Honors at a 1:2 ratio
  • Your highest qualifying business expenses receive 4x points, up to $150,000 in purchases each calendar year

If you’re a business owner and spend a lot on flights, the earnings and redemption structure of the Amex Business Gold card could prove beneficial.

Bottom Line: A wise business owner can benefit greatly from a business credit card that earns rewards on every purchase. While we’ve mentioned a few cards that may be appropriate for Hilton loyalists, check out our article on additional business credit cards that would pair up quite nicely with a Hilton card.

Hilton Honors Elite Status

Every Hilton-branded card, the Amex Platinum card, and the Amex Business Platinum card come with complimentary Hilton Honors elite status. With all this conversation about elite status, however, it’s fair to wonder what the actual value of having status might be.

We’ve written several articles that describe the value of Hilton Honors elite status, but here’s a snapshot of what you can expect at each level.

Benefits start when you join the Hilton Honors loyalty program and increase as you make your way to top Diamond Elite status (which comes complimentary with the Hilton Aspire card).

Here are a few of the benefits compared:

SCROLL FOR MORE
BenefitsMember

0-9 nights/year

Silver Elite

10-39 nights/year

Gold Elite

40-59 nights/year

Diamond Elite

50-74 nights/year

Points Towards Free NightsX20%80%100%
No Resort Fees on Award StaysXXXX
Late CheckoutXXXX
Fifth Standard Rewards Night Free–XXX
2 Bottles of Water–XXX
Elite Tier Rollover Nights–XXX 
Space Available Room Upgrade––Up to Executive Room typeUp to 1-Bedroom Suite room type
Complimentary Breakfast at All Hotels (Or a Food and Beverage Credit in the U.S.)––XX
Unlimited Milestone Bonuses––XX
Executive Lounge Access–––X
Diamond Status Extension–––X
48-Hour Room Guarantee–––X
Elite Status Gifting–––X

Bottom Line: Every Hilton-branded card, the Amex Platinum card, and the Amex Business Platinum card, all offer complimentary Hilton Honors elite status; just make sure you’re enrolled through your American Express account.

Final Thoughts

If you frequent Hilton properties, by all means, consider a Hilton-branded card for the elevated rewards earnings, Hilton Honors elite status, free hotel nights, and related benefits. If you’re also a frequent traveler, adding a general travel rewards card to supplement a Hilton card can be a smart move.

As always, you’ll want to match reward structures with your spending mix, select a card with benefits you can use, and make sure the card offers redemption options that you find valuable.

Also worth noting is that we haven’t included any Chase personal or Chase business credit cards in this article due to the fact that Hilton is not a Chase transfer partner. The Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and the Ink Business Preferred® Credit Card, however, are some of the best travel rewards cards available and worthy of consideration as a partner card for a Hilton-branded card.

To learn more about Hilton-branded cards and our picks for the best travel rewards cards, check out our related articles.

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees for The Hilton Honors American Express Surpass® Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.

Featured Image Credit: Hilton

Frequently Asked Questions

Is a Hilton Honors credit card worth it?

Yes, if you stay even a few times a year at Hilton properties, having a Hilton-branded credit card is worth it. With elevated earnings at Hilton properties, complimentary elite status, and free hotel nights, there is plenty of value to be realized for anyone who stays with Hilton.

There’s also a card to match every Hilton fan, from a no annual fee card to a premium card with top elite status and airport lounge membership.

Is Hilton Honors elite status worth it?

If you stay frequently at Hilton properties, elite status is worth it.

Even with entry-level Silver elite status, you will receive bonus points, the fifth award night free, no resort fees on award stays, late checkout, and complimentary bottled water.

Gold elite status members enjoy additional benefits such as complimentary breakfast (or a food and beverage credit in the U.S.) and room upgrades when available.

When you reach Diamond elite status (it also comes with the Hilton Aspire card), you’ll receive several additional benefits, including executive lounge access and suite upgrades, when available.

Can I transfer my Hilton points to airlines?

Yes, it is possible to transfer your Hilton Honors points to dozens of airline transfer partners. However, it is not the best value for your points.

For example, 10,000 Hilton Honors points transferred to United Airlines results in just 1,000 United MileagePlus miles.

Hilton Honors points generally receive the best value when they are used for reward hotel nights.

How many Hilton points do I need for a free hotel night?

While you can secure a free hotel night starting at just 5,000 Hilton Honors points, you can pay much more depending on the category of the hotel and whether it is peak or off-peak season.

Additionally, Silver, Gold, and Diamond elite members qualify to receive the fifth consecutive award night free. For example, if you book 5 consecutive award nights at 20,000 points each night, you will pay just 80,000 points for the entire 5-night stay versus the full price of 100,000 points.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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