Hilton credit card (A 7 point review)
By
HuutiMoney
In this brief guide, we are going to discuss the Hilton Credit card, how to get a Hilton credit card and how to effectively manage it..
Hilton does not currently provide a Hilton credit card in the UK.
Types of Hilton Credit card
The Hilton credit cards which are currently available include:
HILTON HONORS AMERICAN EXPRESS SURPASS® CARD
HILTON HONORS AMERICAN EXPRESS ASPIRE CARD
HILTON HONORS AMERICAN EXPRESS CARD
HILTON HONORS AMERICAN EXPRESS BUSINESS CARD
HILTON HONORS AMERICAN EXPRESS SURPASS® CARD
“Hilton Honors American Express Surpass® Card
WELCOME BONUS
Special Offer only from Hilton: Earn 130,000 Bonus Points
Earn 130,000 Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership.†
HILTON HONORS BONUS POINTS ON ELIGIBLE PURCHASES
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card:
- at U.S. restaurants
- at U.S. supermarkets
- at U.S. gas stations
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.‡
STATUS
Enjoy complimentary Hilton Honors Gold status with your Card.‡
Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.‡
WEEKEND NIGHT REWARD
Earn a weekend night reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.‡
PRIORITY PASS
Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.‡
NO FOREIGN TRANSACTION FEES Enjoy international travel without additional fees on purchases made abroad.*‡
ANNUAL FEE
$95 per year*
“ Source- Hilton
HILTON HONORS AMERICAN EXPRESS ASPIRE CARD
“ Hilton Honors American Express Aspire Card
WELCOME BONUS
Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership†
HILTON HONORS BONUS POINTS ON ELIGIBLE PURCHASES
Earn 14X Hilton Honors Bonus Points per dollar for each eligible purchase on your Card made directly with a hotel or resort within the Hilton Portfolio.
Earn 7X Hilton Honors Bonus Points for each eligible purchase on your Card for:
- flights booked directly with airlines or amextravel.com
- car rentals booked directly from select car rental companies
- U.S. restaurants
Earn 3X Hilton Honors Bonus Points for other purchases on your Card.‡
STATUS
Enjoy complimentary Hilton Honors Diamond status with your Card.‡
WEEKEND NIGHT REWARD
Enjoy an Annual Weekend Night Reward from Hilton Honors upon signup and every year upon Card renewal.‡
Plus, earn an additional Weekend Night Reward after you spend $60,000 on purchases on your Card in a calendar year.‡
RESORT CREDIT
With your Hilton Honors American Express Aspire Card, enjoy up to $250 in statement credits each year of Card Membership for eligible purchases at participating Hilton Resorts.‡
AIRLINE INCIDENTAL CREDIT
Up to $250 in statement credits per calendar year for incidental fees charged by one selected qualifying airline to your Hilton Honors Aspire Card Account.‡
(American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a statement credit for a qualifying incidental purchase on your eligible Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for more details.)
PROPERTY CREDIT
Receive up to $100 in credit for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when you book a 2-night minimum stay with your Card at HiltonHonors.com/AspireCard.‡
PRIORITY PASS
Enjoy Unlimited Priority Pass™ Lounge Visits‡
NO FOREIGN TRANSACTION FEES Enjoy international travel without additional fees on purchases made abroad*‡
ANNUAL FEE
$450*
“ Source- Hilton
HILTON HONORS AMERICAN EXPRESS CARD
“ Hilton Honors American Express Card
WELCOME BONUS
Special Offer: Earn 80,000 Bonus Points after you spend $1,000 in purchases on the Card within the first 3 months of Card Membership.†
HILTON HONORS BONUS POINTS ON ELIGIBLE PURCHASES
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card:
at U.S. restaurants
at U.S. supermarkets
at U.S. gas stations
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.‡
STATUS
Enjoy complimentary Hilton Honors Silver status with your Card.‡
Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.‡
NO FOREIGN TRANSACTION FEES Enjoy international travel without additional fees on purchases made abroad.*‡
NO ANNUAL FEE* “ Source- Hilton
HILTON HONORS AMERICAN EXPRESS BUSINESS CARD
“ Hilton Honors American Express Business Card
WELCOME BONUS
Special Offer only from Hilton: Earn 130,000 Bonus Points
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you use your new card to make $3,000 in eligible purchases within the first 3 months of Card Membership.†
HILTON HONORS BONUS POINTS ON ELIGIBLE PURCHASES
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels or resorts in the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases
at U.S. gas stations
on wireless telephone services purchased directly from U.S. service providers
on U.S. purchases for shipping
at U.S. restaurants
on flights booked directly with airlines or with Amex Travel
on car rentals booked directly from select car rental companies
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.‡
STATUS
Enjoy complimentary Hilton Honors Gold status with your Hilton Honors American Express Business Card.‡
Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.‡
WEEKEND NIGHT REWARDS
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.‡
Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.‡
PRIORITY PASS
Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.‡
NO FOREIGN TRANSACTION FEES Enjoy international travel without additional fees on purchases made abroad.*‡
ANNUAL FEE
$95* “ Source- Hilton
What to consider when getting your Hilton credit card?
Whilst the Hilton credit card may be right for you, there could also be other potential credit cards which suit you better. It is always advisable to use a credit card eligibility checker
Which provides you with all the credit cards you may be eligible for outside of the Hilton credit card.
When comparing multiple credit cards; below are the things you should look out for before applying.
Eligibility
Each card issuer will have its own lending criteria that you will need to meet before they will provide you with an offer of credit. There are now credit card eligibility checker platforms which let you know which credit cards you are eligible for and which you have a high probability of getting on application.
Most credit card providers now have their own credit card eligibility systems in place which will let you know if you will be approved for a credit card with them or not. These tools use a soft credit check t pull your credit file data and hence does not leave any footprints which are visible to the public or harm your credit score.
You should avoid applying for a credit card if you are not confident you will be accepted as rejections for credit could damage your credit score and history. This may then affect your ability to get further credit in the future.
Interest rates
When getting a credit card, the interest rates on the credit card are a very important factor and you should always lookout for the APR figure.
The interest rates on the credit card are the rates that will be charged on any outstanding credit card balance which you carry over from one month to another.If you pay your credit card balance in full each month then you will not have any interest to pay.
Credit cards typically come with up to 55 interest-free days on purchases if you don’t carry a balance month-to-month.
Credit limits
You should look at the credit Credit limits when choosing a credit card provider as the credit card limits will determine how much you can spend on your credit card. Most credit card providers may offer you a credit limit increase if you can show good credit behaviour over a few months.
Rewards and perks
Credit card providers offer various rewards and perks but usually, these are reserved for applicants with high credit scores.
Fees
Some credit card providers will have annual fees on their credit cards but these are usually for credit cards with high credit card limits and lots of rewards or perks.
You should always check what fees are attached to your credit card. These can include annual or monthly account fees, cash advance (withdrawing cash using the card) fees, overseas transaction fees and others.
How to get your Hilton credit card
To get your Hilton credit card, check to see if you have a credit score and history first.
If you are unsure of what your credit score is then you should check your credit score from the four credit bureaus in the UK: Experian, Crediva, Equifax and Transunion.
Some of these credit bureaus may charge you a fee to view your credit report so what you can alternatively do is request a statutory credit report which is a free credit report which each credit bureau must provide to you upon you requesting it.
Alternatively, you can also use credit score services such as Checkmyfile and clearscore to check your credit report.
Once you have done this you should then check on a credit card eligibility platform to see what credit cards you are eligible for and then apply for the best credit card. This may be the Hilton credit card or it could be another credit card from a different provider which suits you better.
In this brief guide, we discussed the Hilton credit card. If you have any questions or comments please let us know.
If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.
You can also contact the debt charity “Step Change” if you are in debt and need help.
