Is the Hilton Honors American Express Card worth a spot in your wallet?
The honest math on the Hilton Honors American Express Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
American Express · No annual fee · earns Hilton Honors points
Earning rates
- 7x Hilton portfolio hotels & resorts
- 5x U.S. restaurants
- 5x U.S. supermarkets
- 5x U.S. gas stations
- 3x Everything else
Protections and perks (6)
- Hilton Honors Silver Status — Complimentary Hilton Honors Silver status for as long as you hold the card — a 20% bonus on base points earned per stay, plus a 5th night free on standard-room stays of 5+ consecutive nights booked with 100% points.
- Gold Status after $20,000 Spend — Spend $20,000 on the card in a calendar year and get Hilton Honors Gold status — an 80% points bonus, space-available room upgrades, and daily food & beverage credit (or breakfast outside the US) — through the end of the following calendar year.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
- Car Rental Loss and Damage Insurance — Secondary coverage for damage to or theft of a rental car, up to $75,000, when you pay for the entire rental with the card and decline the counter's collision damage waiver.
- Purchase Protection — New purchases covered 90 days against accidental damage or theft, up to $1,000 per purchase and $50,000 per calendar year.
- Extended Warranty — Adds up to a year to eligible US manufacturer warranties of 5 years or less.
Card data verified against American Express on 2026-08-21.
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