There are a number of cobranded credit cards from Hilton Honors, and we regularly hear folks ask which one is greatest for his or her state of affairs
After evaluating the accessible Hilton credit cards, you might be prepared to drag out one in every of these playing cards to pay in your subsequent keep at a Hilton resort.
Let’s check out some widespread playing cards you may use to pay in your subsequent keep at lodges 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 also think about using a great travel rewards card that earns transferable points on journey purchases, comparable to a resort keep. Let us take a look at some frequent choices and what you would get when utilizing these playing cards.
| Card identify | Incomes price at Hilton lodges | Worth of the rewards earned* | Hilton-related advantages from the cardboard** | Annual payment |
|---|---|---|---|---|
| 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 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 must you use?
When selecting a bank card in your subsequent keep at a Hilton property, contemplate two elements: the advantages you take pleasure in 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 particular card in your keep. For instance, you do not truly must pay with the Amex Hilton Aspire card to take pleasure in 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 way of Chase Journey℠ or Citi Strata Premier by way of the Citi journey portal. It will typically rely as a third-party booking, so when 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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In relation to incomes factors from spending cash at lodges that take part in Hilton Honors, utilizing your Hilton bank card is definitely a great choice. These present a greater price 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 decreased.
Nonetheless, the worth available right here is subjective in some methods: Do you favor to earn the utmost worth in accordance with our monthly points valuations? Are you OK with that even when it means incomes factors which can be caught in a single program and might solely be used with Hilton (or transferred to airways in such a means that you simply lose loads of worth)?
Or do you favor 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 in your factors? On this case, utilizing a card that earns American Express Membership Rewards points could also be your greatest wager since you would entry the full range of transfer partners and nonetheless have the choice to switch to Hilton Honors if you happen to’re just a few factors shy of your subsequent redemption.
Suppose you could have each the Aspire and the Sapphire Reserve. That signifies that you’d earn 20 Hilton factors per greenback spent because of your Diamond standing, which you may 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 well-liked (a 6.2% return).
What’s necessary on this state of affairs is which sort of factors you need to earn. Are you prepared 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 typically require tradeoffs. Possibly 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, 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 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.
