In the interests of full disclosure, OMAAT will receive a referral bonus for anyone approved through some of the links below. Citi is an advertising partner of OMAAT. The information and associated card details on this page for the Hilton Honors American Express Surpass® Card and Hilton Honors American Express Aspire Card were collected independently from OMAAT and have not been verified or provided by the card issuer. These are the best publicly available offers (terms apply) we’ve found for any product or service. The opinions expressed here are solely those of the author, not those of the bank, credit card issuer, airline, hotel chain or product manufacturer / service provider and have not been reviewed, approved or otherwise endorsed by any of these companies. For more information on our partners, please see our Advertiser Policy. Thanks for your support!
Hotel credit cards can be incredibly valuable. Typically, the cards have reasonable annual fees and offer oversized value ranging from annual free nights to elite status. What rarely happens is a hotel credit card, which offers considerable advantages despite the lack of an annual fee, although I wanted to look at such a card in this post. I rated the Hilton Honors American Express Surpass® Card (review) and the Hilton Honors American Express Aspire Card (review). In this post, I wanted to take a look at the Hilton Honors Card with no American Express annual fee (prices & fees). Is this card worth it or is it worth buying a card with an annual fee instead? Finally, there are several Hilton cards to choose from. American Express Basics Hilton Honors Card for July 2021The American Express Hilton Honors Card is Hilton’s personal entry-level credit card. It even offers an upgraded bonus right now, which makes it one of the best times to pick this card up. Let’s take a look at some aspects of this card, including the point earning potential, welcome bonus, and perks. Welcome bonus of 100,000 Honors Points + moreFor applications up to August 25, 2021, the American Express Hilton Honors Card offers a two-part welcome bonus:
This is an incredible bonus for a card with no annual fee – not only do you collect lots of points, but you also receive a settlement credit. I’m evaluating Hilton Honors points at ~ 0.5 cents each, which means I am evaluating the 100,000 points at ~ $ 500. Add the $ 100 balance and you are looking at a bonus that may be worth around $ 600. That’s an amazing bonus considering there is no annual fee for this card.
Eligibility for the bonusThe Hilton Honors Card Welcome Offer is not available to those who currently have or have had the card in the past. However, you are eligible for the bonus if you had another Hilton card, including one of the personal cards with an annual fee or the business card. Amex usage restrictionsI find that Amex cards are relatively easy to approve for those with excellent credit. Just make sure you know:
This post covers all of the major credit card application restrictions that you should be aware of. Annual feeHas the American Express Hilton Honors Card no annual fee, and you can even add additional cardholders with no annual fee (Pricing & Fees). You can’t beat sticking to a card with no annual fee for the long term. Holding credit cards long term will help your credit score as it will help increase your average account age. If you want to keep cards for the long term, you can also issue them without an annual fee if possible in order to minimize your own costs. Collect points with the American Express Hilton Honors CardAmerican Express’s Hilton Honors Card offers a few categories of bonuses to spend, although they aren’t quite as robust as other cards. The card offers 3-7x Honors Points per dollar spent, depending on the category you are spending in. The card also offers some tier benefits, and you can earn even more tier benefits by spending money on the card. 7x points at Hilton HotelsThe Hilton Honors Card provides 7x Hilton Honors Points for spending at Hilton hotels around the world. This includes all Hilton brands, from Hampton Inn to Waldorf Astoria. I rate Hilton points at ~ 0.5 cents each, which corresponds to a return of 3.5% on hotel expenses for me. That’s pretty good for a no-annual fee card, although there are ultimately better hotel-spending credit cards out there. 5x point bonus categoriesThe Hilton Honors Card offers 5x points for every eligible dollar spent at US restaurants, US supermarkets, and US gas stations. That equates to a 2.5% return on spending in these categories, which is great even for a card with no annual fee.
3x points on other purchasesThe Hilton Honors Card offers 3x points on all other eligible purchases, which I value with a return of ~ 1.5%. There are definitely better cards out there for everyday use. No foreign transaction feesThe Hilton Honors Card has no overseas transaction fees, which is great for a card with no annual fee. I go one step further – I would call this the best Amex card with no annual fee for purchases abroad. No annual Hilton Honors Card benefitsWhile there is no annual fee, the American Express Hilton Honors Card offers some potentially valuable benefits. You will be granted status only for owning the card and may be given elevated status if you spend enough on the card. Let’s look at the details of these benefits. Hilton Honors Silver statusYou will receive Hilton Honors Silver status free of charge for just holding the Hilton Honors Card. This is Hilton’s entry-level tier, and while the perks are limited, it’s nice that they give you a card with no annual fee. Hilton Honors Silver benefits include:
Hilton recognizes gold status on spendingYou can earn Hilton Mid-Tier Gold status for spending on the Hilton Honors Card. When you spend $ 20,000 on the card in a calendar year, you will earn Hilton Honors Gold status, which includes:
Purchase and extended warranty protectionAmerican Express’s Hilton Honors Card offers potentially valuable purchase protection and extended warranty protection. While you might want to review your cardholder agreement for all the details, here are some things you can expect:
Amex offersOne of my favorite Amex card features is access to Amex deals that offer savings on purchases from all types of retailers. It is very valuable to purchase as many Amex cards as you can so that you can receive these multiple card deals. What’s especially great is that this card doesn’t have an annual fee so Amex is basically paying you to have this card when you consider the savings options. Is the American Express Hilton Honors Card worth it?For a card with no annual fee, I think the Hilton Honors Card from American Express is pretty great. The card has a huge welcome bonus (seriously, this is an incredible bonus for a no annual fee card), it gives you access to Amex offers (which can save you a lot of money), it offers Hilton Honors Silver status (which you get a fifth night free on premiums) and more. The bonus categories are also pretty good for a no annual fee card, such as 7x points for Hilton stays and 5x points for grocery, gas station and restaurant purchases. Combine that with no overseas transaction fees and this is one of the best no annual fee cards to use overseas. For someone who absolutely doesn’t want to pay an annual fee but also likes Hilton Honors, this is a great card in my opinion. It could also be a great option if you’re looking to downgrade any of Hilton’s premium credit cards. Best card with no annual fee?If I could only recommend a card with no annual fee, I would recommend the Citi® Double Cash Card. The card offers 1% cashback when purchasing and 1% cashback when paying. Best of all – and this is really what makes the card so special – rewards can be converted into Citi thank-you points (in conjunction with other cards) at the rate of one cent per point. Amex Hilton Honors Card SummaryThe American Express Hilton Honors Card is a great card with no annual fee. The card offers a great welcome bonus, offers 3-7x points per dollar spent with no international transaction fees, gives you Hilton Honors Silver status and gives you access to Amex offers. For someone looking for a card with no annual fee, this is a great option. In view of the current bonus, this is more true than ever. To learn more or to apply for the American Express Hilton Honors Card, please follow this link. Apply now The following links lead you to the tariffs and fees for the American Express cards mentioned. These include: Hilton Honors American Express Card (rates and fees). Via https://globalconnekt.com/hilton-honors-card-from-amex-review-2021-i-one-mile-at-a-time/
0 Comments
Leave a Reply. |
AuthorBest Travel Tips Archives
March 2022
Categories |