March 8, 2018
Review: Hilton Honors No Fee Credit Card

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Hilton issues four credit cards in partnership with American Express. The Hilton Honors card, the Hilton Honors Ascend, the Hilton Honors Aspire, and the Hilton Honors Business card. This post goes over the Hilton Honor’s card. It’s the company’s most basic card, has no annual fee, but has the most limited range of benefits.


Sign-Up Bonus


The Hilton Honors card comes with 50,000 Hilton Honors points after spending $1,000 in the first three months of account opening.


Earning Points


The card earns 7x Hilton points per $1 at Hilton properties, 5x points per $1 at US restaurants, US supermarkets, and US gas stations, and 3x points per $1 on everything else.


Redeeming Points


Hilton Honors points are mainly redeemed for free nights at Hilton properties. The exact number of points you’ll need will vary based on where you’re staying. You can pay for an award stay with only points or a combination of points and money. The points & money option can be a great way to maximize the value of your Hilton points.



For example, you could redeem 95,000 Hilton Honors points for a Beach Villa room at the Hilton Conrad Maldives and save yourself $902.


You can also redeem Hilton points for experiences like concerts, golf tournaments, sports games, Broadway shows, etc.


Perks


Cardholders earn complimentary Hilton Silver status. This comes with perks like 15% bonus Hilton Honors base points, 5th night free when booking an award stay of five nights or more using all points, and complimentary internet.


Fees


The Hilton Honors card has no annual fee and no foreign transaction fees.



Should You Get It?


The value of Hilton Honors points is highly dependent on which properties you redeem them. You’d get 0.94 cents per point in value in the above example of a redemption at the Conrad Maldives. That would value the 50,000 point sign-up bonus at $470. Keep in mind that this is on the high end of Hilton redemptions and not every hotel will get you 0.94 cents per point.


The card earns 7x Hilton points per $1 at Hilton properties, 6x at US restaurants, supermarkets, and gas stations, and 3x on everything else. Those returns are alright, but there are several cards which offer a better return. For example, the Chase Sapphire Reserve earns 3X Ultimate rewards points on hotels and restaurants, the Citi Prestige earns 3X Citi points per $1 on hotels and 2x points per $1 on restaurants. I’d get a better return on spending on those categories with either of those cards since UR and Citi points are significantly more valuable than Hilton points.


Complimentary Silver status is nice, but it’s Hilton’s lowest tier of status and there are several credit cards which can get you Gold status.



This card could be a good option if you’re looking to pay no annual fee and you spend a lot of time at Hilton properties. Hilton’s $95 mid-tier Ascend credit card offers a far better value. I’d pick the Ascend over the regular Hilton card if you can swing the $95 fee. If you’re a huge Hilton loyalist and want the absolute best card available, take a look at the $450 Hilton Honors Aspire card.


Featured Image Courtesy of Hilton Phuket Arcadia

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