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 out there Hilton credit cards, it’s possible you’ll be prepared to tug out one in every of these playing cards to pay on your subsequent keep at a Hilton lodge.
Let’s check out some standard playing cards you may use to pay on your subsequent keep at resorts within the Hilton Honors program and what these playing cards can give you by way of return on spending and perks throughout your keep.
Evaluating bank cards for a Hilton lodge keep
Except for utilizing a Hilton cobranded bank card, you may additionally think about using a very good travel rewards card that earns transferable points on journey purchases, resembling a lodge keep. Let’s take a look at some frequent choices and what you might get when utilizing these playing cards.
| Card identify | Incomes charge at Hilton resorts | 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 through 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 through 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 upfront for choose advantages. Phrases apply.
The knowledge for the Hilton Aspire and American Categorical Inexperienced playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Which card must you use?
When selecting a bank card on your subsequent keep at a Hilton property, think about two components: the advantages you get pleasure from throughout your keep and the factors you earn on the cardboard when paying on your keep.
The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you utilize a particular card on your keep. For instance, you do not really have to 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 lodge utilizing the Sapphire Reserve by way of Chase Journey℠ or Citi Strata Premier by way of the Citi journey portal. This may usually depend as a third-party booking, so when you’ll earn 10 factors per greenback spent on the acquisition, you may probably forgo any perks of Hilton elite standing.)
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In the case of incomes factors from spending cash at resorts that take part in Hilton Honors, utilizing your Hilton bank card is definitely a very good choice. These present a greater charge 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 response to 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 manner that you just lose a whole 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 on your factors? On this case, utilizing a card that earns American Express Membership Rewards points could also be your greatest wager since you might entry the full range of transfer partners and nonetheless have the choice to switch to Hilton Honors in the event you’re a number of factors shy of your subsequent redemption.
Suppose you may have 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 response to our March 2024 valuations) or 3 Chase factors per greenback spent together with your Sapphire Most popular (a 6.2% return).
What’s vital on this state of affairs is which sort of factors you need to earn. Are you keen to forgo a 2.2% return to earn Chase factors as an alternative 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 generally require tradeoffs. Possibly you earn extra factors however sacrifice some advantages. Or maybe you are keen to earn fewer factors however entry a priceless insurance coverage profit through the use of a specific card.
Fortunately, the selection of which bank card to make use of when staying at a Hilton lodge is fairly easy. With excessive incomes charges on Hilton bank cards, you need 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 determination at another lodge 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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