There are a number of cobranded credit cards from Hilton Honors, and we regularly hear individuals ask which one is finest for his or her scenario
After evaluating the out there Hilton credit cards, you could be prepared to tug out considered one of these playing cards to pay on your subsequent keep at a Hilton resort.
Let’s check out some well-liked playing cards you may use to pay on your subsequent keep at accommodations 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
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, comparable to a resort keep. Let us take a look at some widespread choices and what you may get when utilizing these playing cards.
| Card identify | Incomes fee at Hilton accommodations | Worth of the rewards earned* | Hilton-related advantages from the cardboard** | Annual price |
|---|---|---|---|---|
| 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 Categorical 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 on your subsequent keep at a Hilton property, contemplate 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 truly 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 resort utilizing the Sapphire Reserve by means of Chase Journey℠ or Citi Strata Premier by means of the Citi journey portal. It will usually depend as a third-party booking, so when you’ll earn 10 factors per greenback spent on the acquisition, you will seemingly forgo any perks of Hilton elite standing.)
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Relating to incomes factors from spending cash at accommodations that take part in Hilton Honors, utilizing your Hilton bank card is definitely a very good choice. 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 could be diminished.
Nevertheless, the worth available right here is subjective in some methods: Do you like to earn the utmost worth in accordance with our monthly points valuations? Are you OK with that even when it means incomes factors which are caught in a single program and might solely be used with Hilton (or transferred to airways in such a approach that you simply lose a number of worth)?
Or do you like to earn transferable points as a result of you know the way 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 finest wager since you may entry the full range of transfer partners and nonetheless have the choice to switch to Hilton Honors in the event you’re a couple of factors shy of your subsequent redemption.
Suppose you will 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 will earn no matter which card you utilize. Then, you’ll be able to select to make use of your Aspire to earn 14 Hilton factors per greenback spent (an 8.4% return in accordance with our March 2024 valuations) or 3 Chase factors per greenback spent together with your Sapphire Most popular (a 6.2% return).
What’s necessary on this scenario is which kind of factors you need 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 generally 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 by utilizing 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, you must have the ability to earn a excessive worth in rewards whereas additionally having fun with their advantages — with out the tradeoffs required by making this resolution at another resort chains.
Associated: Current welcome bonuses on Hilton Amex cards
For charges and charges of the Amex Hilton Aspire card, click on here.
For charges and charges of the Amex Hilton Surpass card, click on here.
For charges and charges of the Amex Hilton card, click on here.
For charges and charges of the Amex Hilton Enterprise card, click on here.
For charges and charges of the Amex Inexperienced card, click on here.