How to choose the best Hilton credit card for you

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Hilton has more than 6,000 properties across 119 countries worldwide, including many close-to-home ones perfect for staycations. From high-end brands such as LXR and Waldorf Astoria, down to more budget-friendly options such as Hampton Inn and Embassy Suites, there are plenty of choices for Hilton Honors members when it comes to where to stay and use Hilton points. Here are the best Hilton credit cards from our partners.

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
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3/5
Apply now for Hilton Honors American Express Card
at American Express's secure site
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

3 - 7X points
more info

Intro Bonus

Up to 130,000 Points
details

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
more info
Why we chose it

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.

Pros

  • No annual fee card.
  • Automatic Hilton Honors Silver status.
  • Extended warranty, purchase protection and car rental coverage.

Cons

  • Silver status is the lowest tier of Hilton Honors status.
  • Limited redemption flexibility as you can only redeem at Hilton hotels.
  • Can't earn a free night award unlike other Hilton cards.
  • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • 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.
  • See Rates & Fees
Best for no annual fee

Hilton Honors American Express Card

TPG Editor's Rating

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3/5
  • 7X Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • 5X 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.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Intro Bonus
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Up to 130,000 Points

Annual Fee

$0

Recommended Credit
tooltip

670-850
Excellent/Good
Why we chose it

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.

Pros

  • No annual fee card.
  • Automatic Hilton Honors Silver status.
  • Extended warranty, purchase protection and car rental coverage.

Cons

  • Silver status is the lowest tier of Hilton Honors status.
  • Limited redemption flexibility as you can only redeem at Hilton hotels.
  • Can't earn a free night award unlike other Hilton cards.
  • Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • 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.
  • See Rates & Fees
Best for occasional Hilton travelers

Hilton Honors American Express Surpass® Card

Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

3.5/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

3 - 12X points
more info

Intro Bonus

Up to 180,000 Points
details

Annual Fee

$95

Recommended Credit

670-850
Good, Excellent
more info
Why we chose it

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 $95 annual fee. New cardholders earn a generous 130,000 bonus points after spending $2,000 on eligible purchases within the first three months of card membership.

Pros

  • Reasonable $95 annual fee.
  • 12x points on eligible Hilton purchases.
  • 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
  • 3x on all other eligible purchases.
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
  • Solid perks including 10 Priority Pass visits a year, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Nice perks for less-frequent travelers. Enrollment required for select benefits.

Cons

  • No travel credits.
  • No chart to redeem points at Hilton properties
  • and ties you to Hilton properties.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • 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, at U.S. supermarkets, and at 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.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Best for occasional Hilton travelers

Hilton Honors American Express Surpass® Card

TPG Editor's Rating

tooltip
3.5/5
  • 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.
  • 3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

Intro Bonus
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Up to 180,000 Points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Good, Excellent
Why we chose it

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 $95 annual fee. New cardholders earn a generous 130,000 bonus points after spending $2,000 on eligible purchases within the first three months of card membership.

Pros

  • Reasonable $95 annual fee.
  • 12x points on eligible Hilton purchases.
  • 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations.
  • 3x on all other eligible purchases.
  • Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
  • Solid perks including 10 Priority Pass visits a year, secondary car rental insurance, extended warranty, return protection and theft and accidental damage purchase protection. Nice perks for less-frequent travelers. Enrollment required for select benefits.

Cons

  • No travel credits.
  • No chart to redeem points at Hilton properties
  • and ties you to Hilton properties.
  • Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 3 months of Card Membership.
  • Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
  • 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, at U.S. supermarkets, and at 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.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms & restrictions apply. See rates & fees

TPG Editor's Rating
tooltip

4/5
at American Express's secure site Terms & restrictions apply. See rates & fees

Rewards

3 - 12X points
more info

Intro Bonus

130,000 Points
details

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
more info
Why we chose it

For business travelers who stay with Hilton, there is a lot to love about the Hilton Honors American Express Business Card. You’re getting a solid return when you use the card on eligible Hilton purchases, and it comes with a nice array of perks

Pros

  • Automatic Hilton Gold status (enrollment required).
  • 10 airport lounge visits per year with Priority Pass (enrollment required).
  • Earn a weekend night reward after spending $15,000 on the card each calendar year.

Cons

  • Limited redemption flexibility as you can only redeem at Hilton hotels.
  • Not ideal for those that don't stay at Hilton properties.
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to more than 1,300 lounges across 140 countries and counting.
  • Terms apply.
  • See Rates & Fees
Best for small business owners

The Hilton Honors American Express Business Card

TPG Editor's Rating

tooltip
4/5
  • 12X 12X at hotels and resorts in the Hilton portfolio
  • 6X 6X on Select Business & Travel Purchases
  • 3X 3X on all other eligible purchases. Terms & Limitations Apply.

Intro Bonus
tooltip

130,000 Points

Annual Fee

$95

Recommended Credit
tooltip

670-850
Excellent, Good
Why we chose it

For business travelers who stay with Hilton, there is a lot to love about the Hilton Honors American Express Business Card. You’re getting a solid return when you use the card on eligible Hilton purchases, and it comes with a nice array of perks

Pros

  • Automatic Hilton Gold status (enrollment required).
  • 10 airport lounge visits per year with Priority Pass (enrollment required).
  • Earn a weekend night reward after spending $15,000 on the card each calendar year.

Cons

  • Limited redemption flexibility as you can only redeem at Hilton hotels.
  • Not ideal for those that don't stay at Hilton properties.
  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to more than 1,300 lounges across 140 countries and counting.
  • Terms apply.
  • See Rates & Fees

How to choose the best Hilton credit card for you

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Hilton Honors American Express Card Best for no annual fee Up to 130,000 Points
  • 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.
$0
Hilton Honors American Express Surpass® Card Best for occasional Hilton travelers Up to 180,000 Points
  • 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 3X Hilton Honors Bonus Points for all other eligible purchases on your Card
$95
The Hilton Honors American Express Business Card Best for small business owners 130,000 Points
  • 12X at hotels and resorts in the Hilton portfolio
  • 6X on Select Business & Travel Purchases
  • 3X on all other eligible purchases. Terms & Limitations Apply.
$95

Hilton Honors credit cards

Hilton Honors Card from American Express

Welcome offer: Earn 80,000 bonus points after you spend $1,000 on eligible purchases within the first three months of account opening. Plus, you can earn an additional 50,000 points after you spend a total of $5,000 in purchases on the card in the first six months.

Earning rate: 7 points per dollar spent on eligible purchases at Hilton hotels, 5 points per dollar spent on eligible purchases at U.S. restaurants, U.S. supermarkets and U.S. gas stations and 3 points per dollar on other eligible purchases.

Bonus points earned through eligible purchases that post to the cardmember’s Hilton Honors account between now and Dec. 31, 2021, will be considered base points and count toward elite tier qualification and lifetime Diamond status.

Benefits: This entry-level card offers automatic Hilton Honors Silver status (with an upgrade to Gold when you spend $20,000 in a calendar year), ShopRunner membership and no foreign transaction fees (see rates and fees). Enrollment required for select benefits.

Annual fee: $0 (see rates and fees)

Analysis: With no annual fee, there’s a surprising amount of value to be had in the Hilton Amex Card. It’s not often that a starter card offers benefits such as complimentary elite status, a good welcome bonus and the ability to earn substantial points on bonus spending categories.

Read our review of the Hilton Amex Card.

APPLY HERE: Hilton Honors Card from American Express

Hilton Honors American Express Surpass® Card

Welcome offer: Earn 130,000 points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first three months of card membership. Plus, you can earn an additional 50,000 points after you spend a total of $10,000 in purchases on the card in the first six months.

Earning rate: 12 points per dollar spent on eligible purchases at Hilton hotels; 6 points per dollar spent at U.S. restaurants and U.S. gas stations; and 3 points per dollar spent on all other eligible purchases.

Bonus points earned through eligible purchases that post to the cardmember’s Hilton Honors account between now and Dec. 31, 2021, will be considered base points and count toward elite tier qualification and lifetime Diamond status.

Benefits: The card offers automatic Gold elite status and the ability to upgrade to Diamond status by spending $40,000 in eligible purchases in a calendar year. It also awards a weekend night certificate when you spend $15,000 on the card in a calendar year and grants you 10 complimentary Priority Pass visits a year. Enrollment required for select benefits.

Free weekend night certificates can now be used on any night of the week. Additionally, all newly-issued Free Weekend Night Reward certificates this year are valid through Dec. 31, 2022, so you’ll have more time to use them.

Annual fee: $95 (see rates and fees)

Analysis: This card is a great option for occasional Hilton travelers who want to enjoy premium travel perks without paying a high fee. Hilton Gold status is among the most valuable mid-tier hotel statuses out there, getting you an 80% points bonus, a fifth night free on award stays, space-available upgrades, free in-room and lobby Wi-Fi, late check-out and two free bottles of water. Hilton Gold status will even confer free breakfast at many Hilton properties, such as the high-end Conrad Bora Bora.

The weekend award night certificate is valid at mostly any property in the Hilton portfolio, so that can result in a few hundred dollars of value. You’re still getting a very solid return of 7.2% on your Hilton stays when using this card. For most occasional travelers, the 10 free visits to Priority Pass airport lounges are sufficient. Enrollment required for select benefits.

Read our review of the Hilton Amex Surpass.

APPLY HERE: Hilton Honors American Express Surpass® Card

Hilton Honors American Express Business Card

Welcome offer: 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card in the first three months of card membership.

Earning rate(s): 12 points per dollar spent on eligible purchases at Hilton hotels; 6 points per dollar spent on wireless services purchased directly from U.S. service providers and on U.S. purchases for shipping, at U.S. restaurants, on flights booked directly with airlines and through Amex Travel and on car rentals booked directly from select car rental companies; 3 points per dollar on all other eligible purchases.

Bonus points earned through eligible purchases that post to the cardmember’s Hilton Honors account between now and Dec. 31, 2021, will be considered base points and count toward elite tier qualification and lifetime Diamond status.

Benefits: Like the Surpass, this small business card offers automatic valuable Hilton Honors Gold status and the ability to upgrade to Diamond status by spending $40,000 in eligible purchases in a calendar year. It also gives you a weekend award night when you spend $15,000 on the card in a calendar year and 10 Priority Pass visits a year. Enrollment required for select benefits.

Annual fee: $95 (see rates and fees)

Analysis: Like the Surpass card, the business version is a great option for those who visit Hilton properties just a few times a year or are looking for a cheap way to get Priority Pass lounge access. Plus, the 7.2% return on Hilton stays and 3.6% on common business expenses are both excellent. Enrollment required for select benefits.

Read our review of the Hilton Amex Business Card.

APPLY HERE: Hilton Honors American Express Business Card

Hilton Honors American Express Aspire Card

Welcome offer: Earn 150,000 points after you spend $4,000 on purchases in the first three months of opening your account.

Earning rate: 14 points per dollar spent on eligible purchases at Hilton hotels, 7 points per dollar spent at U.S. restaurants, on flights booked directly with airlines and car rentals booked directly from select car rental companies. All other eligible purchases earn 3 points per dollar spent.

Bonus points earned through eligible purchases that post to the cardmember’s Hilton Honors account between now and Dec. 31, 2021, will be considered base points and count toward elite tier qualification and lifetime Diamond status.

Benefits: Enjoy a host of valuable perks, including automatic top-tier Hilton Honors Diamond status, a weekend award night every calendar year (plus a second weekend night when you spend $60,000), up to $250 Hilton resort statement credit, up to $250 annual airline fee statement credit, up to $100 Waldorf Astoria and Conrad on-property credit and unlimited Priority Pass airport lounge membership. Enrollment required for select benefits.

Annual fee: $450 (see rates and fees)

Analysis: When this card first came out, people thought it was too good to be true. The weekend night certificate alone could effectively cover your annual fee if you went all-in at a top-tier Hilton property. When you factor in perks such as the annual $250 airline incidental fee credit, $250 Hilton resort statement credit and automatic top-tier Diamond status, you’re almost guaranteed to come out ahead if you use the card and perks.

And that’s before you even touch upon the 150,000-point welcome bonus or terrific 8.4% return in spending via points at Hilton properties. Unfortunately, this welcome offer isn’t as good as the one offered by the Surpass and business card as it doesn’t come with the $150 statement credit.

The information for the Hilton Aspire Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.          

Read our review of the Hilton Amex Aspire.

Reasons to get the Hilton Aspire

Despite having the highest annual fee among the entire family of cards, the Hilton Aspire offers the greatest maximization potential. The card’s up to $500 in cumulative annual travel credits — up to $250 toward airline incidentals and up to a $250 statement credit to spend at Hilton resorts — requires some strategy to utilize, but the resort credit is good toward room rates (though not advanced purchase rates).

Related: Why Hilton’s top card has me switching my loyalty

On top of the annual credits, the card offers an annual free weekend night at almost any Hilton property worldwide (and another one after you spend $60,000 on the card in a calendar year), automatic top-tier Hilton Diamond status and unlimited Priority Pass lounge access. Plus, because of the ongoing coronavirus pandemic restricting travel, free weekend nights can currently be used any night of the week. Enrollment required for select benefits.

All of that is before you even factor in its 150,000-point welcome bonus, which is worth $900 according to TPG valuations, and impressive earning rates: 14x at Hilton properties; 7x on flights booked directly with the airline or through Amex Travel, on car rentals booked directly with select car rental companies and at U.S. restaurants; and 3x on all other eligible purchases.

14 points per dollar is an 8.4% return on Hilton spending. When you factor in the 100% point bonus (or 20 points per dollar at most Hilton properties) that comes with Diamond status, you’ll actually be earning 34 points per dollar on most Hilton stays, which is a terrific 20.4% return.

The only bummer is that the Aspire’s current welcome offer isn’t as generous as the one offered by the Surpass Card.

Related: Your ultimate guide to Hilton hotel brands

Reasons to consider Hilton’s other cards

If you don’t believe you’ll be able to get full value from the Aspire’s travel credits or can’t comfortably spend $4,000 in the first three months (an average of $1,334 per month) to get the welcome bonus, you may want to consider a different personal Hilton credit card.

If so, you’ll need to pick between the Hilton Honors Card (with no annual fee (see rates and fees)) or the Surpass Card (with a $95 annual fee (see rates and fees)). Both of these cards’ welcome offers and earning rates are very generous for their annual fees. In fact, the Surpass Card’s current welcome offer is better than that of the Aspire card. Deciding which one is best for you ultimately depends on your personal habits and what other rewards credit cards you already have.

Related: Hilton Surpass vs. Hilton Aspire: Which card is right for you?

If you’re a frequent Hilton guest, you’ll benefit from the Surpass Card’s higher return on Hilton spending and a higher level of elite status. However, if you have The Platinum Card® from American Express, with its $550 annual fee (see rates and fees), you already get automatic Hilton Gold status (along with Marriott Gold status), as well as a full Priority Pass membership. Enrollment required for select benefits.

So, for Amex Platinum cardholders, the Surpass would only make sense if you can benefit from the higher return on Hilton spending or plan on meeting the spend requirements for Diamond or the weekend night award. If you don’t have the Amex Platinum, then the Surpass is a great mid-tier pick.

If you travel with a family

Hilton has some of the best brands for family travel, including Embassy Suites (hello, extra space and free hot breakfast!) and even Homewood Suites. Whether your goal is to book a staycation near Grandma’s house or relax on a resort in Hawaii, we highly recommend families stock up on Hilton points.

Related: An inside look at how Hilton is cleaning hotel rooms between guests

If you have to pick one Hilton card to put in your family’s wallet, the Hilton Aspire is probably the best choice. Simply put, the lounge access, upgrades and free breakfast perks that come with the Hilton Diamond Elite status that’s automatic with the card become more valuable when you travel with a crew. While some hotels will stick to the terms and not extend those perks to more than two people per room, we’ve had lots of experience with hotels being more generous — such as at the Hilton Waikoloa Village in Hawaii, where free breakfast for a family can save more than $100 per day.

With lots of bellies to fill, seat assignments to secure and bags to check, using up to $250 airline incidental fee credit and up to $250 Hilton resort credits that come with the card is also a breeze over the course of a year with a family.

In fact, it just might be the best premium hotel card for families on the market. That said, if it’s just free breakfast and a big bonus you’re after, and you don’t want to pay a high annual fee, your family could still get great value from the Surpass Card.

Can you have more than one Hilton card?

Amex considers each of the Hilton credit cards to be separate products. This means that although Amex typically allows you to earn only one welcome offer per “lifetime” per card type, you can have — and earn the welcome offer on — each of the Hilton cards. Theoretically, if you obtained all three of the personal cards, you can currently earn up to a whopping 460,000 bonus points — or 590,000 if you also pick up the business card. That said, we wouldn’t recommend trying that all at once.

However, if you are saving up Hilton points for a big trip, you could get a bonus, your partner could get a big bonus, and you can pool the points together for free.

Just note that all of the Hilton cards are credit cards and you’re only allowed to have a total of four Amex credit cards open at any one time.

Related: The ultimate guide to credit card application restrictions

Bottom line

The Hilton Honors Aspire Card is one of our best credit cards. Whether you stay at Hilton properties just once per year or basically live at them (in normal times), you should have no problem maxing out the travel benefits and coming out ahead with the card.  Aside from the up to $500 in annual travel credits, it has a strong welcome bonus, the best earning rates, the highest elite status level, an annual award night provided without a spending requirement and more.

However, if you’re unwilling to take the numerical leap associated with the Aspire’s annual fee or can’t maximize the annual credits, you could also get a great return from the Hilton Surpass. In fact, its current welcome offer is bigger than that of the Aspire, so given Amex’s one-bonus-per-lifetime rule, now’s a perfect time to apply. Plus, the Gold status that comes with it is still very valuable, including perks such as free breakfast.

Related: The best hotel credit cards for 2021

Additional reporting by Stella Shon.

For rates and fees of the Hilton Honors Amex, please click here.
For rates and fees of the Hilton Honors Surpass Amex, click here.
For rates and fees of the Hilton Honors Business Amex, click here.
For rates and fees of the Hilton Honors Aspire Amex, click here.
For rates and fees of the Amex Platinum, click here.

Benji Stawski
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