<bi-shortcode id="disclaimer" class="mceNonEditable" data-type="pointsguy"> </bi-shortcode><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e835fb192e1915499733755" data-type="undefined">American Express Hilton Honors American Express Card</bi-shortcode><bi-shortcode id="summary-shortcode" data-type="summary-shortcode" class="mceNonEditable" contenteditable="false">Summary List Placement</bi-shortcode><bi-shortcode id="table-of-contents-sticky" class="mceNonEditable" data-type="h2">Table of Contents: Masthead Sticky</bi-shortcode><h2>Review: Is the Hilton Honors Amex the best card for you'</h2><p>American Express issues four <a href="https://www.businessinsider.com/personal-finance/best-hilton-credit-cards" target="_blank" rel="noopener">co-branded Hilton credit cards</a>, but only onethe <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode>has no annual fee <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5f4fc0e68fcd162ef22c41dd">(See Rates)</bi-inline-shortcode>. Usually, <a href="https://www.businessinsider.com/personal-finance/best-no-fee-credit-card" target="_blank" rel="noopener">no-annual-fee credit cards</a> come with a modest welcome bonus and few perks, but that's not the case here.</p><p>For a limited time, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> is offering <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e835fb192e1915499733755">80,000 points after you spend at least $1,000 in your first 3 months of account opening</bi-inline-shortcode>, plus a $100 statement credit after your first purchase in the first three months. Because there's no annual fee, the statement credit is pure profit, and the minimum spending requirement is relatively easy to achieve.</p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5f9aebcbce3d6920b128967c" data-title="The best Hilton credit cardsfrom bonus points to luxury perks, there's one for every type of traveler" data-url="https://www.businessinsider.com/personal-finance/best-hilton-credit-cards" data-thumbnail="https://i.insider.com/5f9b326569331a0011bc6319" data-shortcode-display-text="Related Article Module: The best Hilton credit cardsfrom bonus points to luxury perks, there's one for every type of traveler"> </bi-shortcode><p>You can also earn bonus points in everyday spending categories, whether you're traveling or staying close to home. Along with 7 points per dollar on eligible Hilton purchases, <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode>holders earn 5 points per dollar spent on eligible purchases at US restaurants, US supermarkets, and US gas stations, and 3 points per dollar spent on all other eligible purchases. That's not as lucrative as the earning rates on the other Hilton cards, but the categories are useful and can help boost your Hilton points balance quickly.</p><p>You'll also <a href="https://www.businessinsider.com/personal-finance/credit-cards-that-offer-hotel-elite-status" target="_blank" rel="noopener">receive automatic Hilton Honors Silver status</a>, which is the brand's lowest elite tier. It doesn't offer a ton of benefits, but it does unlock one lucrative perk. Any Hilton elite status member (including Silver) qualifies for the fifth night free on award stays of five nights or more, so if you redeem points for longer stays, this can add up to significant savings.</p><p>Standard award nights at Hilton hotels start at 5,000 points and usually top out at 95,000 points for the most luxurious resortsso depending on where you redeem your rewards, the welcome bonus from the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> could be worth multiple nights at inexpensive brands, or fewer nights at upscale locations.</p><aside class="quick-tip headline-regular"><p><strong>Bottom line: </strong>If you're an infrequent traveler and like earning Hilton points but don't want to pay an annual fee, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> is definitely worth considering. However, if you stay at Hilton hotels even a couple of times a year, be sure to compare the benefits you'll receive from the other Hilton cards. For example, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e8363941378e358452a6081">Hilton Honors American Express Surpass Card</bi-inline-shortcode> and <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e836833671de008ab24bd03">The Hilton Honors American Express Business Card</bi-inline-shortcode> also have <a href="https://www.businessinsider.com/personal-finance/increased-american-express-hilton-card-bonus-150k-2021-1" target="_blank" rel="noopener">elevated welcome bonuses</a> and come with Hilton Gold status, which gets you free breakfast and better perks. </p></aside><bi-shortcode id="disclaimer" class="mceNonEditable" data-type="pfifinancialresponsibility"> </bi-shortcode><h2>Comparison: Hilton Honors American Express Card vs other Amex Hilton cards</h2><table style="height: 200px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px"><tbody><tr style="height: 30px;"><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"> </td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e8363941378e358452a6081">Hilton Honors American Express Surpass Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e83676c2d41c1513e6050e7">Hilton Honors American Express Aspire Card</bi-inline-shortcode></strong></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Annual fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e835fb192e1915499733755">Product Card 5e835fb192e1915499733755</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e8363941378e358452a6081">$95</bi-inline-shortcode> <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="(See Rates)" data-shouldlink="true" data-pid="5f4fc0af78dac12d65551237">Hilton Honors American Express Surpass Card - Rates & Fees</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e83676c2d41c1513e6050e7">$450</bi-inline-shortcode> <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="6012cd7f88948700119fd911">Product Card 6012cd7f88948700119fd911</bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Rewards rate</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>7 points per dollar spent on eligible purchases at Hilton hotels</p><p>5 points per dollar spent at eligible U.S. restaurants, U.S. supermarkets, and U.S. gas stations</p><p>3 points per dollar on all other eligible purchases</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>12 points per dollar spent on eligible purchases at Hilton hotels</p><p>6 points per dollar spent at eligible U.S. restaurants, U.S. supermarkets, and U.S. gas stations</p><p>3 points per dollar on all other eligible purchases</p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>12 points per dollar spent on eligible purchases at Hilton hotels</p><p>7 points per eligible dollar spent on flights booked directly with airlines or Amex Travel, on car rentals booked directly with select car rental companies, and at eligible U.S. restaurants </p><p>3 points per dollar on all other eligible purchases</p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Welcome bonus</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e835fb192e1915499733755">80,000 points after you spend at least $1,000 in your first 3 months of account opening</bi-inline-shortcode>, plus a $100 statement credit after your first purchase in the first three months</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e8363941378e358452a6081">130,000 points after you spend at least $2,000 in your first 3 months of account opening</bi-inline-shortcode>, plus a $150 statement credit after your first purchase in the first three months </td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e83676c2d41c1513e6050e7">150,000 points after you spend at least $4,000 in your first 3 months of account opening</bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Travel benefits</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>Hilton Silver elite status</p><p>Upgrade to Gold status after you spend $20,000 on eligible purchases in a calendar year</p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>Hilton Gold elite status</p><p>Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar year</p><p>Free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year</p><p>Priority Pass Select airport lounge membership with 10 free visits per year</p><p> </p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>Hilton Gold elite status</p><p>Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar year</p><p>Free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year</p><p>Another free weekend night certificate after you spend a total of $60,000 on eligible purchases in a calendar year</p><p>Priority Pass Select airport lounge membership with 10 free visits per year</p><p> </p><p> </p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Foreign transaction fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5f4fc0e68fcd162ef22c41dd">(See Rates)</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="(See Rates)" data-shouldlink="true" data-pid="5f4fc0af78dac12d65551237">Hilton Honors American Express Surpass Card - Rates & Fees</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="6012cd7f88948700119fd911">Product Card 6012cd7f88948700119fd911</bi-inline-shortcode></td></tr><tr style="height: 65px;"><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong>Learn more</strong></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong><a href="https://www.businessinsider.com/personal-finance/best-hilton-credit-cards" target="_blank" rel="noopener">Guide to the best Hilton credit cards</a></strong></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong><a href="https://www.businessinsider.com/personal-finance/hilton-honors-american-express-surpass-card-review" target="_blank" rel="noopener">Hilton Honors American Express Surpass Card review</a></strong></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong><a href="https://www.businessinsider.com/personal-finance/hilton-amex-aspire-review" target="_blank" rel="noopener">Hilton Honors American Express Aspire Card review</a></strong></td></tr></tbody></table><h2>Comparison: Hilton Honors American Express Card vs other no-annual-fee hotel credit cards</h2><table style="height: 200px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px"><tbody><tr style="height: 30px;"><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"> </td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e742959c48540436f089e02">Marriott Bonvoy Bold Credit Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e742d0ec485407a95551642">IHG Rewards Club Traveler Credit Card</bi-inline-shortcode></strong></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Annual fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e835fb192e1915499733755">Product Card 5e835fb192e1915499733755</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e742959c48540436f089e02">Product Card 5e742959c48540436f089e02</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e742d0ec485407a95551642">Product Card 5e742d0ec485407a95551642</bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Rewards rate</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>7 points per dollar spent on eligible purchases at Hilton hotels</p><p>5 points per dollar spent at US restaurants, US supermarkets, and US gas stations</p><p>3 points per dollar on all other eligible purchases</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>3 points per dollar on eligible purchases at Marriott hotels</p><p>2 points per dollar on eligible travel purchases</p><p>1 point per dollar on all other eligible purchases</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>5 points per dollar on eligible purchases at IHG hotels</p><p>2 points per dollar on eligible purchases at restaurants, grocery stores, and gas stations</p><p>1 point per dollar on all other eligible purchases</p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Welcome bonus</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e835fb192e1915499733755">80,000 points after you spend at least $1,000 in your first 3 months of account opening</bi-inline-shortcode>, plus a $100 statement credit after your first purchase in the first three months</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e742959c48540436f089e02">30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e742d0ec485407a95551642">Product Card 5e742d0ec485407a95551642</bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Travel benefits</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>Hilton Silver elite status</p><p>Upgrade to Gold status after you spend $20,000 on eligible purchases in a calendar year</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>15 elite night credits per year (enough for Marriott Bonvoy Silver elite status)</p><p> </p><p> </p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>Gold elite status after you spend $10,000 on eligible purchases in a calendar year</p><p>Fourth reward night free on standard award stays of four or more nights</p><p>Save 20% on points purchases</p><p> </p><p> </p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Foreign transaction fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No</td></tr><tr style="height: 65px;"><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong>Learn more</strong></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong><a href="https://www.businessinsider.com/personal-finance/best-hilton-credit-cards" target="_blank" rel="noopener">Guide to the best Hilton credit cards</a></strong></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong><a href="https://www.businessinsider.com/personal-finance/best-marriott-bonvoy-credit-cards" target="_blank" rel="noopener">Guide to the best Marriott credit cards</a></strong></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><strong><a href="https://www.businessinsider.com/personal-finance/ihg-credit-card-elevated-welcome-offers-2020-10" target="_blank" rel="noopener">Guide to IHG credit card offers</a></strong></td></tr></tbody></table><h2>How to use points from the Hilton Honors American Express Card</h2><h3>Use Hilton points for hotel stays</h3><p>The Hilton Honors program includes over 6,300 hotels in 118 countries, so it's easy to redeem your points just about anywhere you go. You can <a href="https://www.businessinsider.com/personal-finance/how-to-earn-redeem-hilton-honors-points" target="_blank" rel="noopener">earn and use Hilton points</a> at the following brands:</p><ul><li>Conrad Hotels & Resorts</li><li>Canopy by Hilton</li><li>Curio Collection by Hilton</li><li>DoubleTree by Hilton</li><li>Embassy Suites by Hilton</li><li>Hampton Inn by Hilton</li><li>Hilton Hotels</li><li>Hilton Garden Inn</li><li>Hilton Grand Vacations</li><li>Home2 Suites by Hilton (earn 5x points)</li><li>Homewood Suites by Hilton</li><li>LXR</li><li>Motto by Hilton</li><li>Signia by Hilton</li><li>Tapestry Collection by Hilton</li><li>Tempo by Hilton</li><li>Tru by Hilton (earn 5x points)</li><li>Waldorf Astoria Hotels and Resorts</li></ul><p>You'll usually get the best value from Hilton points by redeeming them for award nights, either for a completely free stay or by combining points and cash. Hilton doesn't have a standard award chart; instead, the price of an award night at a particular hotel varies based on demand, cash price, and season. </p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5feb4b68f01d6919b5685116" data-title="How to earn, redeem, and maximize Hilton Honors pointsfrom Waldorf Astoria resorts to family-friendly Hampton Inns, there are options for every traveler" data-url="https://www.businessinsider.com/personal-finance/how-to-earn-redeem-hilton-honors-points" data-thumbnail="https://i.insider.com/600ee6e01958200011554c09" data-shortcode-display-text="Related Article Module: How to earn, redeem, and maximize Hilton Honors pointsfrom Waldorf Astoria resorts to family-friendly Hampton Inns, there are options for every traveler"> </bi-shortcode><p>Standard award nights start at 5,000 Hilton points and go all the way up to 95,000 points, but premium awards (for better rooms, suites, or high-demand dates) can cost much more. Keep in mind the lowest-priced Hilton hotels are usually budget-friendly brands (like Tru by Hilton or Hampton Inn) located off the beaten path; upscale hotels in big cities or luxury resorts will cost more points.</p><p>For example, you can book an <a href="https://www.businessinsider.com/conrad-rangali-island-hotel-review-maldives" target="_blank" rel="noopener">overwater villa at the Conrad Maldives Rangali Island</a> for 95,000 points a night instead of paying over $1,300 with cash. Or, you can stretch your points at hotels like the <a href="https://www.hilton.com/en/hotels/iagnyhx-hampton-niagara-falls/" target="_blank" rel="nofollow noopener sponsored">Hampton Inn Niagara Falls</a>, which starts at just 16,000 points per night. Always be sure to compare the cash price to the award rate, because sometimes the paid rate is so low it's better to save your points for a higher-value redemption.</p><p>The Silver elite status you automatically receive with the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> qualifies you for the fifth night free on award stays of five nights or more. This is another great way to stretch your points if you want to make them last.</p><h3>Transfer Hilton points to airlines and Amtrak</h3><p>Hilton Honors partners with over 30 airlines, plus Amtrak, and you can transfer points at varying ratios depending on the program. This typically won't result in the best value, but if you won't be using points for stays it's an option for other types of travel.</p><h3>Redeem Hilton points for experiences, events, merchandise, and more</h3><p>Other options for redeeming Hilton points also won't get you the highest value, but they could be helpful in certain circumstances:</p><ul><li><a href="https://experiences.hiltonhonors.com/iSynApp/showHomePage.action'sid=1101241&isynsharedsession=RkCMisSRfpp4nVr4x4j47te7EgU4geabpjmFgZYwtvQ" target="_blank" rel="nofollow noopener sponsored" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="51c888cbf6ea130751881a08d8679afe">Hilton experiences</a>Use points for exclusive events, dining, and tours</li><li>Use Hilton points for event creditsStarting at 25,000 points for a $50 credit</li><li><a href="https://www.businessinsider.com/personal-finance/use-credit-card-points-amazon" target="_blank" rel="noopener">Redeem Hilton points at Amazon</a>A poor value; you'll get just 0.2 cents per point</li><li><a href="https://hiltonhonors3.hilton.com/en/earn-use-points/exchange/donate-points/charitable-organizations/index.html" target="_blank" rel="noopener nofollow sponsored">Donate Hilton points to charity</a>For every 10,000 points you donate, Hilton will send $25 to a charity of your choice</li><li>Use Hilton points toward Lyft ridesAgain, not the best value; you'll typically get around 0.2 cents per point</li><li>Pool or transfer Hilton points to a friendSend up to 2 million points per year to friends or family with no fee, or pool your points with up to 11 people to save for a redemption</li></ul><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5f5b95cf51467237e2495fcb" data-title="There are 7 great ways to redeem credit card points and miles right now and none of them involve traveling" data-url="https://www.businessinsider.com/personal-finance/best-ways-use-credit-card-points-miles-during-quarantine-2020-9" data-thumbnail="https://i.insider.com/5f5ba7437ed0ee001e25ed32" data-shortcode-display-text="Related Article Module: There are 7 great ways to redeem credit card points and miles right now and none of them involve traveling"> </bi-shortcode><p><a href="https://www.businessinsider.com/personal-finance/do-credit-card-points-miles-expire" target="_blank" rel="noopener" data-analytics-module="body_link" data-analytics-post-depth="20" data-uri="da2afe36488c4de22a69bf53b03181d4">Hilton points normally expire</a> if there's no activity in your account for 12 months, but due to the pandemic, the chain has paused points expiration until December 31, 2021. Spending on a Hilton credit card like the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> is an <a href="https://www.businessinsider.com/personal-finance/how-to-keep-points-and-miles-from-expiring" target="_blank" rel="noopener" data-analytics-module="body_link" data-analytics-post-depth="20" data-uri="30f06cf826c35dafb1dc8751d1ef119d">easy way to keep your points from expiring</a> until you're ready to travel.</p><h2>Hilton Honors American Express Card benefits and features</h2><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> comes with a handful of useful perks that can improve your travel experience and save you money.</p><h3>Automatic Hilton Silver elite status</h3><p>Cardholders receive Hilton Silver status as long as their card is open and in good standing. As Hilton's lowest elite tier, Silver status isn't exceptional, but it does come with a few handy perks:</p><ul><li>Fifth night free on award stays of five nights or more</li><li>20% points bonus on paid stays</li><li>Free bottled water </li><li>Elite rollover nights</li></ul><p>However, if you spend $20,000 or more on eligible purchases in a calendar year with your <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode>, you'll get upgraded to Hilton Gold elite status through the end of the following calendar year. Hilton Gold status is much more valuable and includes benefits like <a href="https://www.businessinsider.com/personal-finance/hilton-credit-cards-status-free-breakfast" target="_blank" rel="noopener">free breakfast at Hilton hotels</a>, 80% points bonus on paid stays, room upgrades when available, and milestone bonuses.</p><h3>No foreign transaction fees</h3><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5d66810c2e22af083c365d55" data-title="8 credit cards without foreign transaction fees, so you can save money on international trips" data-url="https://www.businessinsider.com/personal-finance/best-credit-cards-no-foreign-transaction-fees" data-thumbnail="https://i.insider.com/5d668c7e2e22af044473f13d" data-shortcode-display-text="Related Article Module: 8 credit cards without foreign transaction fees, so you can save money on international trips"> </bi-shortcode><p>Many <a href="https://www.businessinsider.com/personal-finance/best-no-fee-credit-card" target="_blank" rel="noopener">credit cards with no annual fee</a> tack on 3% or more in foreign transaction fees, which can really sting if you're on an international trip. However, you won't have to worry about using your <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> abroad, because it doesn't add these extra fees.</p><p>Foreign transaction fees can also apply if you <a href="https://www.businessinsider.com/personal-finance/best-credit-cards-for-online-shopping" target="_blank" rel="noopener">make an online purchase</a> from a company outside the US, so even if you're not traveling, this perk could save you cash.</p><h3>Car rental loss and damage insurance</h3><p>When you pay for your car rental with the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> and decline the collision damage waiver at the rental counter, you can get secondary coverage for damage to or theft of the vehicle. Some countries and vehicle types are excluded, so be sure to read the terms and conditions before you rent and note that liability insurance isn't included.</p><aside class="quick-tip headline-regular"><p><strong>Quick tip:</strong> Secondary insurance will only cover amounts left over after your primary (personal) car insurance pays out. Some credit cards, like the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d55684159f610676c264">Chase Sapphire Preferred Card</bi-inline-shortcode>, offer <a href="https://www.businessinsider.com/personal-finance/credit-cards-with-primary-rental-car-insurance" target="_blank" rel="noopener">primary car rental insurance</a>, which doesn't require you to file a claim with your personal policy to get reimbursed.</p></aside><h3>Extended warranty</h3><p>American Express cards are well known for offering excellent purchase protections, and the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> is no exception.</p><p>When you use the card to pay for an eligible purchase, Amex will extend the manufacturer's warranty up to one additional year on original manufacturer's warranties of five years or less. You're covered for up to $10,000 per eligible purchase and up to $50,000 per account, per calendar year.</p><h3>Purchase protection</h3><p>If you pay for an eligible item with your <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> and it's stolen or accidentally damaged within 90 days of purchase, you could be covered for up to $1,000 per item and up to $50,000 per account, per calendar year. </p><h3>Global Assist Hotline</h3><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5dd305cc3afd371d9d6e9ef8" data-title="6 lesser-known credit card travel benefits that can save you thousands of dollars if things go wrong on a trip" data-url="https://www.businessinsider.com/personal-finance/lesser-known-credit-card-travel-benefits-protections" data-thumbnail="https://i.insider.com/5ad100d0146e7124008b48e2" data-shortcode-display-text="Related Article Module: 6 lesser-known credit card travel benefits that can save you thousands of dollars if things go wrong on a trip"> </bi-shortcode><p><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> members can access Amex's Global Assist Hotline when they're traveling 100 or more miles from home. This service can provide help with issues like lost passport replacement, translation services, missing luggage assistance, and emergency legal and medical referrals, but you'll be responsible for any third-party costs incurred.</p><h3>Free two-day shipping with Shoprunner</h3><p>ShopRunner is a service that provides two-day shipping and free returns with hundreds of participating online storesthink of it like <a href="https://www.businessinsider.com/amazon-prime-benefits-what-is-included" target="_blank" rel="noopener" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="0fbb4a7bd16726c880ad36bd78ad1161">Amazon Prime</a>, but for other retailers. All US Amex personal and small-business cards, including the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode>, are eligible for a free membership which normally costs $79 per year. To enroll, visit <a href="https://www.shoprunner.com/enroll/americanexpress" target="_blank" rel="noopener nofollow sponsored" data-analytics-module="body_link" data-analytics-post-depth="100" data-uri="feda83a2002fc9e445a2dc4426dc81ad">ShopRunner's American Express website</a> and enter your card details.</p><h3>Travel accident insurance</h3><p>When you pay your fare on a covered trip with the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode>, you could be eligible for up to $100,000 in coverage for accidental injury or death. See <a href="https://www.americanexpress.com/content/dam/amex/us/credit-cards/features-benefits/policies/pdf/TAI%20Benefit%20Guide_Tier%201%20Rev%2003-18.pdf" target="_blank" rel="noopener">Amex's terms</a> for specific restrictions and details.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e835fb192e1915499733755" data-type="undefined">American Express Hilton Honors American Express Card</bi-shortcode><h2>Hilton Honors American Express Card fees and costs</h2><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e835fb192e1915499733755">Hilton Honors American Express Card</bi-inline-shortcode> has no annual fee, so it's free to keep without incurring a yearly cost. Because your <a href="https://www.businessinsider.com/personal-finance/what-affects-credit-score" target="_blank" rel="noopener">credit score is partly determined by the average age of your accounts</a>, keeping a no-annual-fee card open for the long term could <a href="https://www.businessinsider.com/personal-finance/how-credit-cards-can-improve-credit-score" target="_blank" rel="noopener">potentially increase your credit score</a>.</p><p>As with most other cards, there are fees for late payments <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5f4fc0e68fcd162ef22c41dd">(See Rates)</bi-inline-shortcode>, returned payments <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5f4fc0e68fcd162ef22c41dd">(See Rates)</bi-inline-shortcode>, and cash advances <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5f4fc0e68fcd162ef22c41dd">(See Rates)</bi-inline-shortcode>. </p><p><em>Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. </em></p><bi-shortcode id="related-content-module" class="mceNonEditable" data-type="more-credit-card-coverage" data-sheetname="More Credit Card Coverage">Related Content Module: More Credit Card Coverage</bi-shortcode><p><a href="https://www.businessinsider.com/personal-finance/hilton-honors-american-express-card-review#comments">Join the conversation about this story »</a></p>
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