Credit Cards
10 Best Hilton Credit Cards of November 2026
By
Stephanie Stevens
Stephanie Stevens
Credit cards writer
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
and
•Gabrielle Bernardini
Gabrielle Bernardini
Senior editor
Gabrielle Bernardini is the senior points and miles editor at TPG. Joining the team in 2023, she focuses on helping people utilize their credit card rewards to travel for less.
Edited by
Nick Ewen
Nick Ewen
Editor-in-chief
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
If you're a fan of Hilton properties, you'll be thrilled to know that you have a wide range of options for selecting the perfect Hilton credit card. Hilton boasts an impressive portfolio of almost 8,000 hotels and resorts across over 125 countries and territories worldwide. Whether you prefer a local staycation or an exotic getaway, Hilton has something to offer everyone.
As a Hilton Honors member, you can choose from an array of properties, ranging from luxurious brands like LXR and Waldorf Astoria to more affordable choices such as Hampton Inn and Embassy Suites. With the flexibility to use Hilton points across properties at various price points, the only task remaining is to decide which credit card suits you best. Here, we present our top recommendations for the finest Hilton credit cards in collaboration with our partners.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
- Hilton Honors American Express Surpass® Card: Best for occasional Hilton travelers
- Hilton Honors American Express Aspire Card: Best for Best hotel card for Hilton loyalists
- Hilton Honors American Express Card: Best for no annual fee
- American Express Platinum Card®: Best for premium travel perks and digital entertainment
- The Business Platinum Card® from American Express: Best for business owners who prioritize premium travel perks
- The Hilton Honors American Express Business Card: Best for small business owners
- American Express® Gold Card: Best for dining at restaurants
- American Express® Business Gold Card: Best for flexible rewards earning
- Chase Sapphire Preferred® Card: Best for beginner travelers
- Chase Sapphire Reserve®: Best for travel and dining combined
Comparing the best Hilton credit cards
Limited-Time Offer
Best for occasional Hilton travelers
Apply for Hilton Honors American Express Surpass® Card
Apply now
for Hilton Honors American Express Surpass® Cardat American Express's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 12X | 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. |
| 6X | Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. |
| 4X | Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Intro offer
Open Intro bonus
Earn 130,000 Hilton Honors Points + a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Earn 130,000 Hilton Honors Points + a Free Night Reward
Annual fee
$150
Regular APR
19.74%-28.74% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. Read our full review of the Hilton Honors Surpass Card.
Pros
- High earning rate
- Automatic Hilton Gold status
Cons
- Free anniversary night requires high spend
- Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027.
- Enjoy complimentary Hilton Honors Gold Status with benefits like an 80% Points earning Bonus on Stays, daily food & beverage credit or continental breakfast (varies by brand & region), space-available room upgrades at select properties, and more.
- Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible 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, at U.S. supermarkets, and at U.S. gas stations.
- Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases.
- 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 an upgrade to Hilton Honors Diamond status through the end of the next calendar year. With Hilton Honors Diamond status, enjoy benefits like: A 100% Bonus on all Base Points you earn on every stay, Premium Wi-Fi at select properties, Daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., Space-available room upgrades at select properties, and Executive lounge access at select properties.
- Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $150 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Limited-Time Offer
Best for Best hotel card for Hilton loyalists
Apply for Hilton Honors American Express Aspire Card
Apply now
for Hilton Honors American Express Aspire Cardat American Express's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 14X | Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio. |
| 7X | Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants. |
| 3X | Card Members can earn 3X Points on all other eligible purchases. |
Intro offer
Open Intro bonus
Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
Earn 200,000 Hilton Honors Bonus Points
Annual fee
$550
Regular APR
19.74%-28.74% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good,Excellent
The Hilton Honors American Express Aspire Card offers unparalleled value for frequent Hilton loyalists. It offers automatic Diamond status, up to $400 in annual Hilton resort statement credits (up to $200 biannually) and a Free Night Reward every year. Its rich suite of benefits easily offsets the annual fee for those who stay at Hilton properties even a few times per year.
Pros
- Complimentary Hilton Diamond status with all the associated perks (including lounge access at select properties, complimentary breakfast and room upgrades when available)
- Annual Free Night Reward (valid at most Hilton properties worldwide)
- Up to $400 in Hilton resort statement credits each year (up to $200 biannually)
- Up to $200 in airline fee credits annually (up to $50 in statement credits each calendar year)
- Strong earning rates on Hilton purchases and select travel categories
Cons
- High $550 annual fee
- Perks are heavily Hilton-focused, making them less valuable if you don’t stay at their properties often
- Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027.
- Enjoy complimentary Diamond status with your Card. Diamond status gives you a 100% Bonus on Base Points you earn on every stay, Premium Wi-Fi and space-available room upgrades at select properties, executive lounge access at select properties, and more.
- Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card directly with hotels and resorts within the Hilton portfolio.
- Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
- Card Members can earn 3X Points on all other eligible purchases.
- $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
- $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
- CLEAR+ helps get you to your gate faster at 60+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
- Earn up to 3 Free Night Rewards with the Hilton Honors American Express Aspire Card: Receive one complimentary Free Night Reward each membership year. Earn a second Free Night Reward from Hilton after you spend $30,000 or more on purchases on your Card in a calendar year. Earn a third Free Night Reward from Hilton after you spend an additional $30,000 in purchases on your Card in the same calendar year.
- $100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria® Hotels & Resorts and Conrad® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
- Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- $550 annual fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees
at American Express's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 7X | Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 5X | Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Intro offer
Open Intro bonus
Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027.
Earn 70,000 Bonus Points plus a Free Night Reward
Annual fee
$0
Regular APR
19.74%-28.74% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Pros
- No annual fee card
- Automatic Hilton Honors Silver status
- Shopping and travel protections
Cons
- Limited redemption options
- Low-tier elite status
- No free night award
- Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027.
- No Annual Fee.
- Earn 7X 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 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations.
- Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
- Enjoy complimentary Hilton Honors Silver Status with benefits like a 20% Bonus on Base Points earned on stays, fifth night free on standard room reward stays with 100% Points, and more.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- Spend $20,000 in eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year. With Gold status, you can enjoy: An 80% Bonus on Base Points you earn on every stay, Space-available room upgrades at select properties, A daily food & beverage credit at select brands in the U.S. and complimentary continental breakfast at select brands outside of the U.S., and Fifth night free when you book a standard room stay with 100% Points.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
at American Express's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 5X | Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year. |
Intro offer
Open Intro bonus
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good,Excellent
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros
- No foreign transaction fees
- Up to $600 hotel credit (disbursed as up to $300 in statement credits semiannually; enrollment required)
- Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
- Earns transferable Membership Rewards points
Cons
- $895 annual fee
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
- $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: 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 Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
- See Rates & Fees
Best for business owners who prioritize premium travel perks
Apply for The Business Platinum Card® from American Express
Apply now
for The Business Platinum Card® from American Expressat American Express's secure site
Terms & restrictions apply. See rates & fees.
Rewards rate
| 5X | Earn 5X points on flights and prepaid hotels on AmexTravel.com. |
| 2X | Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |
| 1X | Earn 1X points on other eligible purchases. |
Intro offer
Open Intro bonus
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
As High As 300,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
17.99% - 28.74% Variable
Recommended credit
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
The Business Platinum Card® from American Express continues its long-standing streak as one of the most valuable cards on the market for frequent business travelers. The Amex Business Platinum card offers perks like automatic Hilton Honors and Marriott Bonvoy Gold elite status (enrollment required) and statement credits that can be used toward business-specific purchases.
Pros
- No foreign transaction fees
- Offers easy to use business-specific statement credits
- Earns valuable and transferable Membership Rewards points
Cons
- $895 annual fee
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
Comparing the best Hilton credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Limited-Time Offer at American Express's secure site | occasional Hilton travelers | Earn 130,000 Hilton Honors Points + a Free Night Reward Open Intro bonus Earn 130,000 Hilton Honors Points + a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer ends 01/13/2027. | 3 - 12X points Open Rewards rates
| $150 | ||||||||
Limited-Time Offer at American Express's secure site | Best hotel card for Hilton loyalists | Earn 200,000 Hilton Honors Bonus Points Open Intro bonus Best Points Offer Yet! Earn 200,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 01/13/2027. | 3 - 14X points Open Rewards rates
| $550 | ||||||||
Limited-Time Offer at American Express's secure site | no annual fee | Earn 70,000 Bonus Points plus a Free Night Reward Open Intro bonus Earn 70,000 Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the card in the first 6 months of Card Membership. Offer ends 01/13/2027. | 3 - 7X points Open Rewards rates
| $0 | ||||||||
at American Express's secure site | premium travel perks and digital entertainment | As High As 175,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. | 5X points Open Rewards rates
| $895 | ||||||||
at American Express's secure site | business owners who prioritize premium travel perks | As High As 300,000 points. Find Out Your Offer. Open Intro bonus You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more. | 1 - 5X points Open Rewards rates
| $895 |
How we rate cards
Our TPG staffers considered various factors and categories when it came to rating our best Hilton credit cards. Travel is a large part at TPG and our team frequently travels and stays at hotels around the world - some of which are Hilton properties. To learn more about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonusWe included cards with large welcome bonuses so that you can use them towards your next Hilton stay.
Annual feeOur best Hilton credit cards feature both no annual fee cards and higher annual fee cards that are accompanied with more premium perks.
Earning ratesWe chose Hilton cards that feature high earnings rates so that you can maximize your spending and earning.
Redemption optionsOur best Hilton cards come with a variety of redemption options, including free nights at a Hilton property.
Added benefitsIn addition to free nights, our best Hilton cards offer perks like travel insurance and shopping protection.
Ask our experts
What's your favorite Hilton card — and why?
How to choose the best Hilton credit card
When choosing the best Hilton Honors credit card, evaluating which benefits best align with your preferences is essential. Consider whether you prioritize Hilton-specific perks such as earning free night certificates or prefer the flexibility of transferable points.
Additionally, consider the type of rewards you will accrue with the chosen card. Cobranded Hilton Honors credit cards like the Hilton Surpass card earn Hilton Honors points, which are exclusively redeemable within the Hilton Honors program. Conversely, more versatile travel rewards cards like the American Express® Business Gold Card provide transferable points that can be utilized for a broader range of travel options, offering greater value.
Here are some of the main points to consider when choosing a Hilton credit card:
- Our best Hilton credit cards feature generous sign-up offers with a variety of required spending so that you can earn your bonus with any budget. It is important to choose a card that you can easily reach the minimum spend threshold of since a large part of a card’s value is its sign-up bonus.1Welcome offer
- We chose cards with no annual fees that offer solid benefits and cards with lofty annual fees that offer premium perks so that any consumer can find the best Hilton card for their wallet.2Annual fee
- The best Hilton credit cards feature a variety of bonus categories and choosing one that best aligns with your spending habit will help you earn even more points towards your next stay.3Bonus categories
Hilton Honors guide for award travelers - The Points Guy
Learn about redeeming points and gaining status in Hilton's loyalty program
Pros + cons of Hilton credit cards
Pros
- Using a Hilton credit card can help you earn points towards your next stay
- Many Hilton credit card features additional perks like travel and shopping protection
- Some Hilton credit cards feature premium perks like automatic elite status and free night certificates
Cons
- Irresponsible usage of Hilton credit cards can negatively impact your credit score
- Hilton uses a dynamic pricing model for point redemption which makes it difficult to pre-plan points needed for a trip
- Most Hilton cards are only worthwhile if you regularly stay at Hilton properties
Frequently asked questions
The ideal Hilton Honors credit card choice depends on your specific requirements. The no-annual-fee Hilton Honors American Express Card is great for beginners (see rates and fees), while those looking for more benefits should explore the Hilton Honors American Express Surpass® Card and The Hilton Honors American Express Business Card.
Obtaining a Hilton Honors card can be advantageous if its benefits outweigh the annual fee. It’s ultimately up to you to review the perks and benefits of each card and decide if the annual fee is worth it for you.
You can apply for Hilton Honors cards by clicking the hyperlinked card names on our page.
You'll typically need good credit — a credit score of at least 670 — to be approved for a Hilton Honors credit card.
Hilton Honors Points expire after 24 consecutive months of inactivity.
Yes, all Hilton credit cards that are open to new applicants are issued by American Express.