2021 Review: Hilton Honors American Express Card – Rewards and Amenities for No Annual Fee
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American Express is a Credit Card Insider advertiser.
Hilton Honors American Express Card
The Hilton Honors American Express Card doesn’t ask for an annual fee and features solid rewards and automatic enrollment into Hilton Honors Silver status. Silver status provides some helpful perks like a fifth night free when redeeming for five nights or more and a 20% bonus to Base points.
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The information related to Hilton Honors American Express Surpass® Card, Hilton Honors American Express Aspire Card, The Hilton Honors American Express Business Card, IHG® Rewards Club Premier Credit Card, and Capital One VentureOne Rewards Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
Our Rating: 4 Out of 5 Stars
We give the Hilton Honors American Express Card 4 out of 5 Stars. It has no annual fee and offers plenty of rewards as well as added amenities for Hilton enthusiasts.
Why We Like It
- Earns 19X points per dollar at Hilton – 7X Bonus points from the card, and 12X from Silver status
- Rewards you for everyday spending — 5X Hilton Honors Bonus points at U.S. gas stations, restaurants, and supermarkets
- Complimentary Hilton Honors Silver status
- Earn 100,000 Bonus points for spending $1,000 in the first 3 months; up to $100 in statement credits on eligible purchases at any of the Hilton family of hotels in the first 12 months (expires 8/25/2021)
- No annual fee
- No foreign transaction fee
Why It Could Be Better
- Lackluster benefits
- Limited travel and shopping protections
- Min. credit levelGood
- Annual Fee$0
- Regular APR15.74% - 24.74% Variable
- Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
- Limited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- 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 Annual Fee.
- Terms Apply.
- 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 5X Bonus points per dollar at:
- U.S. supermarkets
- U.S. restaurants
- U.S. gas stations
- 3X Bonus points per dollar for all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
American Express is a Credit Card Insider advertiser.
The Hilton Honors Card from American Express aims to make your Hilton stays more comfortable and rewarding.
Most of the value comes from the automatic enrollment into Hilton Honors Silver status, which provides some added perks for Hilton patrons. Chief among them are a 20% bonus to Base points earned and your fifth night free when redeeming for five nights or more. And there’s no annual fee, which makes it all the sweeter.
You’ll also earn an impressive number of reward points at Hilton properties. But if Hilton isn’t your favorite hotel brand to stay at, check out our other top picks for hotel cards.
There are other cards in the Hilton family that might interest you as well. They do however carry annual fees, but also feature stronger rewards and better benefits:
| Card | Annual Fee | Benefits |
|---|---|---|
| Hilton Honors American Express Card (this review) | $0 (Rates & Fees) |
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| Hilton Honors American Express Surpass® Card (Review) | $95, $0 first year (Rates & Fees) |
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| Hilton Honors American Express Aspire Card | $450 (Rates & Fees) |
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| The Hilton Honors American Express Business Card (Review) | $95 (Rates & Fees) |
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Insider Advice: Getting the Most Out of Your Card
- Status has its perks: You’ll automatically gain Silver status, which provides the fifth night free benefit, a 20% bonus to Base points, elite rollover nights, and two free bottles of water.
- Your key to rewards: You’ll get the most rewards when using your card at Hilton. Every dollar you spend will net you 19X points at most properties — 7X from the card, and 12X from your Silver status.
- Earn on everyday spending: While the majority of your points comes from purchases made with Hilton, you can still earn 5X points per dollar on eligible gas, groceries, and dining out.
- Hold on to your points: You’ll get your fifth night free when redeeming your points for five nights or more.
- Welcome to the club: The welcome bonus would propel you closer to a nice vacation, or the goal of having enough points to redeem for five nights.
The Rewards
You’ll get 19X Hilton Honors points at most Hilton brands. If your points are worth 0.5–1 cent, that would equate to a cash back equivalent of 9.5%–19%.
You’ll also earn 5X points on certain everyday spending, and at those same point values, that’ll net you a cash back equivalent of 2.5%–5%. And, you’ll be earning 3X Hilton Honors Bonus points on every other purchase for a cash back equivalent of 1.5%–3%.
Earning
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Those 19X points per dollar is partly due to your Silver status enrollment. You’ll receive 7X Bonus points from the card, and 12X points from your membership.
Most cards only earn 1X point per dollar outside their home turf, so the 3X points the Hilton Honors card offers is a nice step up.
Point Breakdown
How does your Silver status help you earn more points?
If you’re wondering where the extra 12X points come from, here’s a brief explanation. You’ll earn 10X Base points from your Hilton Honors membership at almost every Hilton hotel. And thanks to your 20% bonus from Silver status, you’ll get two extra Bonus points per dollar. That brings your Hilton Honors point total to 12X points per dollar.
However, there are a few hotel brands in the Hilton family that don’t offer 10X Base points per dollar. At Tru and Home2, you’ll only earn 5X Base points, meaning your 20% point bonus will only be worth one extra point. So at those two hotels, you’re looking at a total of 6X points from your membership.
Redeeming
After earning a heap of points, it’s time to find out what you can do with them. There are quite a few different options available. You can:
- Redeem them for reward nights at Hilton
- Use them for experiences like VIP concerts, dining, and sporting events
- Redeem them for Lyft rides
- Shop with them at either Amazon or Hilton’s online mall
- Use them for rental cars at Alamo, Enterprise, and National
- Transfer them to miles through Hilton’s airline or rail partners
- Gift them to other Hilton Honors members
- Pool them together with friends or family to put towards a trip
You’ll find the best value for your points when redeeming for hotel stays at Hilton hotels. Transferring them into miles would likely diminish their value, as each airline and rail partner has a poor transfer rate. The ratios you’ll currently get are 10:1 Hilton points to miles, 20:3, or 50:13.
Hilton’s Airline and Rail Partners
| Aeroflot Russian Airlines | EVA Air |
| Aeromexico | Finnair |
| Aeroplan (Air Canada) | Frontier Airlines |
| Air Asia BIG | Garuda Indonesia |
| Air France-KLM | Hainan Airlines |
| Air New Zealand | Hawaiian Airlines |
| Alaska Airlines | Icelandair |
| American Airlines | JAL Japan Airlines |
| Amtrak | Jet Airways |
| Ana – All Nippon Airways | LAN Airlines |
| Asia Miles (Cathay Pacific) | Malaysia Airlines |
| Asiana Airlines | Philippine Airlines |
| British Airways | Qantas Airways |
| China Eastern Airlines | Qatar Airways |
| Delta Air Lines | SAS Scandinavian Airlines |
| Emirates | Saudi Arabian Airlines |
| Ethiopian Airlines | Singapore Airlines |
| Etihad Airways | Turkish Airlines |
| Eurowings | Virgin Australia |
How Do I Redeem My Points for Hilton Stays?
If you head over to Hilton’s website you’ll be able to search for hotels. Once you’ve found where you’d like to go, you can choose to use your Hilton points for reward nights instead of cash.
Hilton doesn’t publish a point table for its properties. Instead, you can use its points explorer tool to indicate how many points you’re working with, and then choose a location you’d like to stay at.
Once you plug in the location you want, it’ll give you a selection of Hilton brand hotels to choose from. You’ll see the minimum and maximum point requirements per night and can check for room availability.
Only certain rooms are available to be booked with points, and each room may have a different point requirement.
We ran through a few examples of a weekend stay to find out what kind of value you might expect from your points:
| Location | Cash (per night, includes taxes & fees) | Point cost (per night) | Point Value |
|---|---|---|---|
| Hampton Inn & Suites Phoenix Tempe, AZ | $213.60 | 22,000 | 0.97 cents |
| Hilton Denver City Center | $186.73 | 35,000 | 0.53 cents |
| H Hotel Los Angeles, Curio Collection by Hilton | $195.79 | 46,000 | 0.43 cents |
| Hilton Philadelphia at Penn’s Landing | $211.32 | 49,000 | 0.43 cents |
| Waldorf Astoria Chicago | $505.50 | 93,000 | 0.54 cents |
From the examples above, it looks like you might find the best value for your points at a lower point cost. Hampton Inn & Suites Phoenix Tempe will provide a cash back equivalent of about 18.4%, when you’re earning 19X points per dollar.
However, at the Waldorf Astoria Chicago, which is a higher-end hotel and thus requires a larger sum of points to book, you’re looking at a cash back equivalent of about 10.3%. And while that might be less than what the lower point requirements worked out to, it’s still a solid return on your spending.
Because the point requirements are calculated per room rather than per hotel, the rates are pretty flexible. That means you might be able to search for a different room at the same hotel if you don’t get the point value you’d like right off the bat.
The Benefits
The greatest value will come from the Silver status enrollment. The other benefits are rather sparse, just a few generic travel protections and limited shopping protections. But that’s to be expected for a hotel travel card with no annual fee.
- Automatic Hilton Honors Silver status: You’ll get auto-enrolled into the Hilton Honors Silver status, which provides a 20% bonus to Base points, your fifth night free when redeeming points for five nights or more, elite rollover nights, and two free bottles of water.
- Fast track to Gold status: If you spend $20,000 with your card in a calendar year, you’ll be granted Hilton Honors Gold status. That comes with some extra benefits, like an 80% bonus to Base points, room upgrades when they’re available, and free continental breakfast.
- Lowest Hotel Rates Guarantee: If you book a hotel through Amex Travel and find the same hotel room elsewhere for less, Amex will match that price. Applies to online rates only.
- ShopRunner membership: You can enroll in the ShopRunner program, which provides free two-day shipping and returns from some online retailers.
- Amex Offers: Earn more points at a changing selection of merchants.
- Entertainment Access: Get access to presale tickets and cardmember-only events. These could be anything from plays to concerts.
- Car Rental Loss and Damage Insurance: You’re covered against damage or theft, as long as you decline the rental company’s coverage offer and charge the full amount to your card.
- Global Assist Hotline: If you find yourself more than 100 miles from home and in need of some assistance, you can call the Global Assist Hotline. They can help with a myriad of issues, including lost passports, customs information, missing luggage, translation assistance, and emergency legal and medical referrals.
- Purchase Protection: Your new purchases are covered from damage and theft for 120 days, up to $500 per claim and $50,000 per account.
- Extended Warranty: If you’ve got an eligible warranty for three years or less, you’ll get an additional year from the card.
- Authorized users: You can request up to 13 additional cards for authorized users on your account.
Insider tip
You could always upgrade to another card in the Hilton family if you want more, like the Hilton Honors American Express Surpass® Card (Review). Or, choose a different travel card altogether that might carry an annual fee, but could also feature advanced rewards and benefits.
Enrollment required for select benefits; terms and limitations apply.
The Terms & Fees
| Purchase APR | Balance Transfer APR | Cash Advance APR |
|---|---|---|
| 15.74% - 24.74% Variable | None | 25.24% Variable |
| Annual Fee | Foreign Transaction Fee |
|---|---|
| $0 | None |
| Balance Transfer Fee | Cash Advance Fee |
|---|---|
| None | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | Late Fee | Returned Payment Fee |
|---|---|---|
| 29.99% Variable | Up to $40 | Up to $40 |
The Bottom Line
The Hilton Honors American Express Card isn’t a bad option for a no annual fee hotel credit card. But for more frequent travelers, you could likely do better.
If you do travel more frequently, one of the other Hilton cards (or another hotel card, if Hilton isn’t your cup of tea) might serve you better.
For example, the Hilton Honors American Express Surpass® Card (Review). It offers the chance to earn a free annual night and boosts your status to Gold level, which could prove much more useful than Silver.
How Do I Apply for the Hilton Honors American Express Card?
Simply click the link below. You’ll be directed to the credit card issuer’s site where you can securely input the required information. You should usually hear back almost instantly about whether you’ve been approved or not for a new card.
What Credit Scores Do I Need to Qualify for the Hilton Honors American Express Card?
The Hilton Honors American Express Card is recommended for people with good credit.
If your credit scores fall within the ranges of 670–739 for FICO or 700–749 for VantageScore, you’re considered to have good credit.
But don’t count yourself out if your credit scores don’t look like that. Sometimes credit card issuers will still approve you even if you’re not at the recommended level. Other factors, such as income and source of income, can factor into the issuer’s decision.
However, the opposite could hold true even if you are in those ranges or above. Not everyone makes the cut — in the end, it’s all up to the credit card issuer.
Qualifications and Requirements
- Must be 18 to apply (19 in Alabama/Nebraska, 21 in Puerto Rico)
- Personal identifying information: Birth date, Social Security number
- Address and contact information: Email, phone number, address, type of residence
- Financial information: Total annual income, source of income
- Hilton Honors membership number, if available
- Min. credit levelGood
- Annual Fee$0
- Regular APR15.74% - 24.74% Variable
- Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
- Limited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- 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 Annual Fee.
- Terms Apply.
- 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 5X Bonus points per dollar at:
- U.S. supermarkets
- U.S. restaurants
- U.S. gas stations
- 3X Bonus points per dollar for all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
American Express is a Credit Card Insider advertiser.
Frequently Asked Questions
What are my Hilton Honors points worth?
We found that your Hilton Honors points are worth about 0.5–1 cent. But the point requirement for room redemption fluctuates quite a bit, so you might be able to find a slightly higher point value if you try different rooms.
Can I get free reward nights with this card?
While you won’t get a free reward night every year, you will receive a fifth night free when redeeming points for five nights or more thanks to the automatic Silver status enrollment. Take a look at the full list of benefits that comes with your card.
Alternatives to the Hilton Honors American Express Card
- Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
- 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 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your 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.
- Annual fee: $95, $0 first year
- Terms Apply.
The Hilton Honors American Express Surpass® Card (Review) is one of the better cards offered by Hilton.
It does have an annual fee, but it also improves on most facets of the Hilton Honors American Express card. There are improved rewards, better benefits, and a higher welcome offer.
Instead of Silver status, you’ll be enrolled in Gold status, which includes a much larger bonus to Base points, provides room upgrades when they’re available, and offers free breakfast. You’ll also get the opportunity to earn an annual award night, provided you spend $15,000 in a calendar year. And to top it off, you’ll receive Priority Pass Select membership, giving you access to a multitude of airport lounges.
So if you travel frequently enough, this card might give you more bang for your buck.
| Spending Rewards |
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Members will earn another 18X points per dollar at Hilton thanks to the Hilton Honors Gold membership. That brings the grand total to 30X points from Hilton, and the cash back equivalent to 15%–30%.
- Hilton Honors Gold status: Includes an 80% point bonus, room upgrades when available, complimentary breakfasts, and more
- Priority Pass Select membership: 10 free visits to Priority Pass lounges per year; additional visits cost $32 per person
- Annual Weekend Night Award: For spending $15,000 in a calendar year
- ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
- Shopping and travel protections: Purchase Protection, Extended Warranty, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Global Assist Hotline
- No foreign transaction fee
- Annual fee: $95, $0 first year
Enrollment required for select benefits; terms and limitations apply.
Hilton Honors American Express Surpass® Card (Rates & Fees)
American Express is a Credit Card Insider advertiser.
The information related to Hilton Honors American Express Surpass® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Earn 150,000 bonus points after spending $3,000 on purchases within the first three months of account opening
- Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 4 or more nights
- Earn up to 25 points total per $1 spent when you stay at an IHG hotel
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
- Platinum Elite status as long as you remain a Premier card member
- Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
- IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
The IHG® Rewards Club Premier Credit Card (Review) offers high rewards and strong amenities for people who frequent InterContinental Hotels Group (IHG) hotels and resorts.
You’ll earn a few points less than you would with the Hilton Honors American Express, and you’ll likely see a cash back equivalent of 20%–25%. It might get you a little more back regularly, but it may not reach as high as the 19% you could earn with the Hilton card.
The IHG card does require an annual fee, but it also comes along with an annual free reward night. So if you use that for a room that would normally cost you $89, that fee is effectively negated. Instead of Hilton’s Gold status, you’ll be enrolled into IHG’s Platinum Elite status, which provides a large bonus to Base points, room upgrades when they’re available, and other handy amenities like late checkout. There’s also an application fee credit for Global Entry or TSA PreCheck attached, covering up to $100 every four years.
| Spending Rewards |
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- Anniversary night: Get a free stay each account anniversary year, starting after your first year. You can redeem your free night at a hotel that has a night redemption value of 40,000 points or fewer. It must be redeemed within 12 months from date of issue.
- Fourth reward night free: When you redeem your points for four nights or more, you’ll get the fourth night free.
- Platinum Elite status enrollment: You’ll automatically be enrolled into IHG’s Platinum Elite status, which provides a 50% bonus to Base points earned, complimentary room upgrades, priority check-in, and extended checkout.
- Global Entry or TSA PreCheck fee credit: Every four years get up to $100 for either Global Entry or TSA PreCheck application fees.
- Cell Phone Protection: Your phone is covered against theft and damage up to $600 per claim, and up to $1,000 per year, as long as you pay your phone bill with your card.
- Travel protections: Travel accident insurance, travel and emergency assistance services, auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance
- Shopping protections: Purchase protection and extended warranty protection
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $89
The information related to IHG® Rewards Club Premier Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Earn 3 Free Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
- 2X Bonvoy points for every $1 spent on all other purchases.
- Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
- 15 Elite Night Credits each calendar year.
- No Foreign Transaction Fees.
- Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
If you’d rather stay with Marriott Bonvoy than Hilton, the Marriott Bonvoy Boundless™ Credit Card (Review) is one to consider.
You’ll earn 17X points per dollar at Marriott Bonvoy hotels, so that’s a little under the 19X you’d earn at Hilton. However, your points will usually be worth more. If you get a point value of 1–2 cents, you’d see a cash back equivalent of 17%–34%, which is better than the 9.5%–19% you’d get with the Hilton card. But there is an annual fee.
On top of a higher cash back equivalent, the Marriott Bonvoy Boundless will give you an annual free reward night, after the first year of being a card member. The membership, while still Silver, isn’t as impressive at Marriott compared to Hilton’s Silver status. The Base point bonus is slightly smaller.
If you prefer Marriott Bonvoy hotels, this could be the route to take. You’d earn a little more, and once you have the card for a year, you’ll start getting an annual free night to help you forget about the annual fee.
| Spending Rewards |
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- Annual free night stay: You’ll get one Free Night Award every year, beginning after your first account anniversary.
- Automatic Silver Elite status: As a cardholder you’ll get complimentary Silver Elite status with Marriott. Normally you’d need to spend 10 qualifying nights at Marriott properties for this status level. This grants you perks like a 10% bonus on Marriott Bonvoy Base points and priority late check-in.
- Path to Gold Elite status: Cardholders get a fast track to Marriott Gold Elite status by spending $35,000 in an account year. Usually it would take 25 qualifying night stays to reach this level.
- 15 Elite Night Credits annually: You’ll receive 15 Elite Night Credits every year, on or before March 1. Elite Night Credits count towards your Elite status with Marriott.
- Visa Signature Concierge Service: Call 1-800-953-7392 at any time to reach your personal assistant, who can help with non-emergency tasks.
- Complimentary premium in-room WiFi: Cardholders get premium on-property WiFi internet access at participating locations. You must provide your loyalty member account number when checking in.
- Premier Experience Events: Cardholders will occasionally get invitations to exclusive events through the Premier Experience Events program. There are a variety of events, like high-class dining and cooking lessons, rounds of golf, and meetings with exciting people.
- Travel protections: Travel and emergency assistance service, lost luggage reimbursement, trip delay reimbursement, and rental car insurance
- Shopping protections: Purchase protection and extended warranty protection
- Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
- No foreign transaction fee
- Annual fee: $95
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 15.49% – 25.49% variable APR after that
The Capital One VentureOne Rewards Credit Card (Review) differs from the others here, as it’s a general-use travel rewards card.
So rather than earning a handsome number of points at a specific hotel, you’ll earn a flat rate on all of your purchases. With no annual fee and few benefits, this card is best used by people who don’t travel frequently and don’t always stay at the same hotel, or who spend on a variety of travel options.
It earns 1.25X miles per dollar on every purchase, quite a bit less than the Hilton card. You won’t get any memberships or amenities at a specific hotel either, but you will get the Visa Luxury Hotel Collection. This benefit provides exclusive perks at a wide variety of hotels.
There’s an introductory purchase APR too, so your purchases won’t earn interest for 12 months (after that your rate will be 15.49% - 25.49% Variable). This card can be pretty useful for people who don’t hit the road too much.
| Spending Rewards |
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- Mile transfer: Transfer miles to a variety of airline and hotel partners, at varying rates.
- Dining, sports, and music event access: Get access to exclusive culinary experiences, sports discounts and VIP packages, and concert tickets/perks.
- Capital One CreditWise: See your VantageScore 3.0 credit score, based on your TransUnion credit report, along with some information from that report.
- Shopping and travel protections (Visa Signature only): Auto Rental Insurance, Travel & Emergency Assistance, Warranty Manager Service, Travel Accident Insurance
- Purchase APR: 0% for 12 months, then 15.49% - 25.49% Variable
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Min. credit levelGood
- Annual Fee$0
- Regular APR15.74% - 24.74% Variable
- Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. Offer expires 8/25/2021.
- Limited Time Offer: Plus, earn up to $100 in statement credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer expires 8/25/2021.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- 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 Annual Fee.
- Terms Apply.
- 7X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
- 5X Bonus points per dollar at:
- U.S. supermarkets
- U.S. restaurants
- U.S. gas stations
- 3X Bonus points per dollar for all other purchases
Introductory bonus
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $40
- Returned Payment FeeUp to $40
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
American Express is a Credit Card Insider advertiser.
Do you have the Hilton Honors American Express Card? Have your Hilton stays been more rewarding and comfortable thanks to Silver status? Let us know in the comments!
Read more Best Hotel Credit CardsFor rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
For rates and fees of the Hilton Honors American Express Card, please click here.
Evan Zimmer
Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.
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