Hilton Credit Card Comparisons, Features, Options for 2022

If you frequently travel for work or pleasure, you can multiply your benefits by carrying a hotel-branded credit card. Among major hotel chains, Hilton offers perhaps the broadest range of property types and price points—including DoubleTree, Embassy Suites, Hilton Garden Inn, Homewood Suites and Hampton Inn—and more than 5,000 properties in 100 countries.

Its popular loyalty program, Hilton Honors, makes it easy for guests to earn points and redeem them for rewards like free room nights while enjoying other benefits. This makes a Hilton credit card a wonderful option for those looking to get into credit card churning.


Best Cards for Credit Card Churning by Brand


Our Picks For The Best Hilton Credit Card for Churning

Through an exclusive partnership with American Express, Hilton offers three consumer-focused card options and a business card, each with distinct benefits and fees. Read on to learn more and determine which card will earn you the greatest rewards based on your lifestyle and spending habits.

Best Hilton Honors Card with No Annual Fee: The Honors Card® from American Express

  • Welcome Bonus: 75,000 Bonus points
  • Annual Fee: $0
  • APR: 24.00% to 26.24%
  • Credit Score: Excellent/Good (670 – 850)

Benefits of The Honors Card® from American Express

The Hilton Honors Card from American Express is best for travelers who stay at Hilton-branded hotels just a few times a year. With no annual fee, you won’t have any pressure to spend to justify the cost of owning it; if you’re able to earn the welcome bonus, you’ll instantly have enough points for a short reward stay.

The biggest draw of the Hilton Honors Card from American Express is that it doesn’t charge an annual fee, yet offers significant value for travelers. Cardholders also automatically acquire elite Silver Status in the Hilton Honors program, which confers benefits like free Wi-Fi, no resort fees on rewards stays, late checkout, complimentary bottled water and a free fifth night on reward stays.

And a Hilton Honors member, your spending will elevate you to higher levels of the rewards program with even more lucrative rewards.

However, if you spend a lot on your card or travel frequently, you may want to consider one of the other Hilton cards.

Earning Points and Rewards

You’ll rack up seven points per dollar spent at Hilton hotels, five points per dollar spent at restaurants, grocery stores and gas stations and three points per dollar on all other purchases.

Welcome Bonus

Spend $1,000 in the first three months after opening your account and earn 75,000 bonus points.


Best Hilton Honors American Express Surpass Card for Travel: Hilton Honors American Express Surpass Card® Card from American Express

best hotel credit card
  • Welcome Bonus: 125,000 Bonus points
  • Annual Fee: $95
  • APR: 24.00% to 26.24%
  • Credit Score: Excellent/Good (670 – 850)

Benefits of The Hilton Honors American Express Surpass Card® Card from American Express

The Hilton Honors American Express Surpass Card is perfect for occasional travelers who want access to high-end benefits without high annual fees. With just the upgrade from Hilton Honors Silver to Gold status, cardholders will reap more than $1,000 in additional perks for a mere $95 per year, including the ability to earn points at a much higher rate on many purchases.

For a modest annual fee of $95, the Hilton Honors American Express Surpass Card offers several benefits not available with the basic Hilton Honors Card. Instead of automatic Hilton Silver status, Surpass cardholders are upgraded to Gold status, which comes with all Silver benefits plus an 80 percent points bonus on paid stays, milestone bonuses, space-available room upgrades at certain properties, free breakfast and other amenities.

These benefits are estimated to be worth more than $1,200 per year and easily outweigh the cost of the annual fee.

It is worth noting that the American Express Platinum Card (which isn’t affiliated with Hilton) does provide many of the same benefits as the Surpass card, including automatic Hilton Gold status and Priority Pass membership, so if you already have the Platinum Card, Surpass may not be the most valuable option for you.

Earning Points and Rewards

Earn 12 points per dollar spent at Hilton hotels, six points per dollar spent at restaurants, grocery stores and gas stations and three points per dollar when using it anywhere else.

Welcome Bonus

Spend $2,000 in the first three months after opening your account and earn 125,000 bonus points.


Best Hilton Honors American Express Aspire Card For Frequent Traveler: Hilton Honors American Express Aspire Card® Card from American Express

  • Welcome Bonus: 150,000 bonus points
  • Annual Fee: $450
  • APR: 24.00% to 26.24%
  • Credit Score: Excellent/Good (700 – 749)

Benefits of Hilton Honors American Express Aspire Card® Card from American Express

For frequent travelers who consistently stay at Hilton properties, the Hilton Honors American Express Aspire Card delivers outstanding value. The free weekend night alone almost justifies the annual fee, and the instant Diamond status and other luxury perks are worth thousands more each year. With the Aspire Card, you can treat yourself to room upgrades, spa pampering and other indulgences without a hint of guilt.

If you can get past the hefty $450 annual fee, the Hilton Honors American Express Aspire Card delivers the greatest bang for the buck for most travelers. It comes with $500 in annual travel incentives: $250 toward incidental airline fees like checked baggage, flight change fees and in-flight refreshments with a single qualifying airline and another $250 to spend on indulgences like spa treatments, activities and dining at Hilton resorts.

Additionally, it comes with $100 in credits at Conrad and Waldorf-Astoria properties. Most importantly, the Aspire Card vaults you to Diamond status and the long list of perks that come with it.

Earning Points and Rewards

When you use your Aspire card, you’ll net 14 points per dollar at Hilton hotels, seven points per dollar spent at restaurants, grocery stores and gas stations and three points per dollar on all other purchases.

Welcome Bonus

Spend $4,000 in the first three months after opening your account and earn 150,000 bonus points.


Best Hilton Honors American Express Business Card for Small Business: Hilton Honors American Express Business Card® Card From American Express Card

  • Welcome Bonus: 125,000 bonus points
  • Annual Fee: $95
  • APR: 24.00%-26.24%
  • Credit Score: Excellent/Good (700 – 749)

Benefits of Hilton Honors American Express Business Card® Card From American Express Card

The Hilton Honors American Express Business Card offers many of the same benefits as the Surpass Card, with an identical annual fee of $95 per year. However, Business cardholders may find it easier to spend the $40,000 annually needed to achieve the Diamond status upgrade. With $15,000 in annual spending, you’ll earn a free weekend night at any Hilton property along with 10 Priority Pass visits per year.

The Hilton Honors American Express Business Card is a good choice for business owners who spend substantial amounts each year on flights, stays at Hilton properties and other business-related expenses.

Earning Points and Rewards

This card earns 12 points per dollar spent at Hilton properties; six points per dollar on U.S.-based wireless services, flights booked directly through airlines or American Express Travel, car rentals booked directly through specific companies; six points per dollar at U.S. restaurants and three points per dollar on all other purchases.

Welcome Bonus

Spend $3,000 in the first three months after opening your account and earn 125,000 bonus points.


Maximizing Your Points with Hilton Credit Card Options

If your primary goal is to rack up as many Hilton Honors points as possible, you might consider carrying more than one of these co-branded American Express cards.

While standard American Express cards cap welcome bonuses at one per lifetime for each card type, that rule doesn’t apply to the Hilton Honors cards, meaning you could apply for all three personal cards and score 350,000 points (and an additional 125,000 if you add the business card as well).

Just keep in mind that American Express limits individuals to five open credit accounts at any given time (including non-Hilton cards).


Best Cards for Credit Card Churning by Airline or Hotel Travel Partner

Final Thoughts on Hilton Credit Card Choices Options for 2022

If your hospitality brand loyalty lies with Hilton, holding at least one of these Hilton Honors American Express cards is a no-brainer. For corporate cardholders, the Hilton Honors American Express Business Card delivers serious value with business expenses.

If you don’t mind covering the $450 annual fee, the Hilton Honors American Express Aspire Card offers the highest level of benefits per dollar spent and includes lucrative perks that the other cards don’t. Even the Surpass Card and basic Hilton Honors card can help you earn great rewards for the money you’re already spending with low or no annual fees.

No matter which card you choose, you’ll get the outstanding customer service and standard cardholder perks for which American Express is known.