Hilton Honors Amex: Zero Fee, Big Rewards for Travelers

The Quick Version

The Hilton Honors American Express Card offers solid travel rewards with no annual fee. You're looking at an APR range from 22.49% to 29.49%, according to American Express. If you're a frequent Hilton guest, this card could significantly boost your points balance.

Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.

The Fine Print

The Hilton Honors American Express Card offers a variable APR between 22.49% and 29.49%, depending on your creditworthiness. There's no annual fee, which is rare for a rewards card. Earn 7x points at Hilton properties, 5x at U.S. restaurants, and 3x on other purchases. However, watch out for the foreign transaction fee of 2.7% when spending abroad.

What's Actually Good

The standout feature is the 7x points on Hilton stays, making it ideal for loyal Hilton customers. The lack of an annual fee is a major plus, especially compared to competitors like the Marriott Bonvoy Bold, which offers similar perks but with an annual fee. The 5x points at U.S. restaurants can add up quickly for foodies.

The Catch

The card's foreign transaction fee is a bummer for international travelers. If you're planning on using it abroad, this fee can quickly negate the rewards earned. Also, the high variable APR means carrying a balance is costly. If you're not paying off your balance in full, look elsewhere.

Who Should Apply

This card is best for U.S.-based Hilton loyalists who pay their balance monthly. If you have a good to excellent credit score (670+), according to American Express, and frequently dine out or stay at Hilton properties, the rewards can be quite lucrative. However, if you frequently travel internationally, consider a card with no foreign transaction fees.

The Bottom Line

If you're a Hilton regular, this card is a no-brainer for the rewards and lack of an annual fee. Just watch out for those foreign transaction fees if you're venturing outside the U.S.