There are a number of cobranded credit cards from Hilton Honors, and we frequently hear folks ask which one is greatest for his or her state of affairs
After evaluating the accessible Hilton credit cards, it’s possible you’ll be prepared to tug out one in every of these playing cards to pay in your subsequent keep at a Hilton resort.
Let’s check out some in style playing cards you would possibly use to pay in your subsequent keep at motels within the Hilton Honors program and what these playing cards can give you when it comes to return on spending and perks throughout your keep.
Evaluating bank cards for a Hilton resort keep
Apart from utilizing a Hilton cobranded bank card, you may additionally think about using a great travel rewards card that earns transferable points on journey purchases, reminiscent of a resort keep. Let us take a look at some widespread choices and what you possibly can get when utilizing these playing cards.
| Card identify | Incomes fee at Hilton motels | Worth of the rewards earned* | Hilton-related advantages from the cardboard** | Annual charge |
|---|---|---|---|---|
| Hilton Honors American Express Aspire Card | 34 factors per greenback (14 factors from the cardboard plus 10 base factors as a Hilton member plus 100% Diamond standing bonus) | 20.4 cents |
|
$550 (see rates and fees) |
| Hilton Honors American Express Surpass® Card | 30 factors per greenback (12 factors from the cardboard plus 10 base factors as a Hilton member plus 80% Gold standing bonus) | 18 cents |
|
$150 (see rates and fees) |
| The Hilton Honors American Express Business Card | 30 factors per greenback (12 factors from the cardboard plus 10 base factors as a Hilton member plus 80% Gold standing bonus) | 18 cents |
|
$195 (see rates and fees) |
| Hilton Honors American Express Card | 19 factors per greenback (7 factors from the cardboard plus 10 base factors as a Hilton member plus 20% Silver standing bonus) | 11.4 cents |
|
$0 (see rates and fees) |
| Chase Sapphire Reserve® | 3 factors per greenback (or 10 factors per greenback if booked by way of Chase Journey℠) | 6.1 cents (or 20 cents) | None | $550 |
| American Express® Green Card | 3 factors per greenback | 6 cents | None | $150 |
| Citi Strata Premier℠ Card (see rates and fees) | 3 factors per greenback (or 10 factors per greenback if booked by way of CitiTravel.com) | 5.4 cents | None | $95 |
* Worth of rewards relies on TPG’s March 2025 valuation and never the cardboard issuer.
** Enrollment is required prematurely for choose advantages. Phrases apply.
The data for the Hilton Aspire and American Specific Inexperienced playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Which card do you have to use?
When selecting a bank card in your subsequent keep at a Hilton property, take into account two components: the advantages you get pleasure from throughout your keep and the factors you earn on the cardboard when paying in your keep.
The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you utilize a selected card in your keep. For instance, you do not really must pay with the Amex Hilton Aspire card to get pleasure from your Diamond status benefits throughout your subsequent Hilton keep.
(The one exception is reserving a paid keep at a Hilton resort utilizing the Sapphire Reserve by Chase Journey℠ or Citi Strata Premier by the Citi journey portal. This may typically depend as a third-party booking, so whilst you’ll earn 10 factors per greenback spent on the acquisition, you may possible forgo any perks of Hilton elite standing.)
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Relating to incomes factors from spending cash at motels that take part in Hilton Honors, utilizing your Hilton bank card is definitely a great possibility. These present a greater fee of return than using a Marriott credit card at a Marriott hotel, and with assertion credit on a number of Hilton cobranded playing cards, the price of your stays might be diminished.
Nonetheless, the worth available right here is subjective in some methods: Do you favor to earn the utmost worth in keeping with our monthly points valuations? Are you OK with that even when it means incomes factors which might be caught in a single program and may solely be used with Hilton (or transferred to airways in such a means that you simply lose quite a lot of worth)?
Or do you favor to earn transferable points as a result of you understand how to maximise these for first- and business-class flight awards, acquiring outsize worth in your factors? On this case, utilizing a card that earns American Express Membership Rewards points could also be your greatest wager since you possibly can entry the full range of transfer partners and nonetheless have the choice to switch to Hilton Honors for those who’re a number of factors shy of your subsequent redemption.
Suppose you’ve gotten each the Aspire and the Sapphire Reserve. That implies that you’d earn 20 Hilton factors per greenback spent due to your Diamond standing, which you may earn no matter which card you utilize. Then, you possibly can select to make use of your Aspire to earn 14 Hilton factors per greenback spent (an 8.4% return in keeping with our March 2024 valuations) or 3 Chase factors per greenback spent together with your Sapphire Most well-liked (a 6.2% return).
What’s essential on this state of affairs is which kind of factors you wish to earn. Are you prepared to forgo a 2.2% return to earn Chase factors as a substitute of Hilton factors?
Associated: Maximize your rewards: Your points and miles checklist
Backside line
Deciding which bank card to make use of on any given buy can typically require tradeoffs. Perhaps you earn extra factors however sacrifice some advantages. Or maybe you are prepared to earn fewer factors however entry a invaluable insurance coverage profit through the use of a selected card.
Fortunately, the selection of which bank card to make use of when staying at a Hilton resort is fairly easy. With excessive incomes charges on Hilton bank cards, it is best to be capable of earn a excessive worth in rewards whereas additionally having fun with their advantages — with out the tradeoffs required by making this choice at another resort chains.
Associated: Current welcome bonuses on Hilton Amex cards
For charges and costs of the Amex Hilton Aspire card, click on here.
For charges and costs of the Amex Hilton Surpass card, click on here.
For charges and costs of the Amex Hilton card, click on here.
For charges and costs of the Amex Hilton Enterprise card, click on here.
For charges and costs of the Amex Inexperienced card, click on here.
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