Updated. Hilton Hotels and American Express have co-branded credit cards with special perks for Hilton customers. Each person can only get one welcome offer, per card in your entire lifetime, so it’s best to apply during a temporary bump-ups.

Hilton Honors American Express Card

  • Special Offer: Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
  • 7X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 5X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • Spend $20,000 in a calendar year on this card and get Honors Gold status through the end of the next calendar year.
  • No foreign transaction fees.
  • No annual fee. (See Rates and Fees)
  • Terms Apply.

Hilton Honors American Express Business Card

  • Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on Select Business & Travel Purchases (ex. U.S. gas stations, U.S. restaurants, flights booked directly with airlines)
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • $95 annual fee. (See Rates and Fees)
  • Terms Apply.

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 150,000 points = $750 value and 100,000 points = $500 value towards Hilton hotel stays.



The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you keep them active (once every 12 months), I do like to keep some around. These credit cards are good at creating activity, but here’s another tip on how to keep Hilton points active.

Free night award details. The free night does not come with a points limit, but there are some excluded hotels that are not bookable. Here is the fine print behind the Free Night Award:

The Free Night Reward can be redeemed any night of the week for a one night standard accommodation, double occupancy, subject to availability at properties in the Hilton portfolio, excluding those listed at HiltonHonors.com/freenightreward. To redeem the Free Night Reward, you must call 1-800-446-6677. Free Night Rewards issued on or after 2/3/2022 will expire 12 months from date of issuance.

Theoretically, this free night award could be used to book a room night that would otherwise require 95,000 Hilton points. Indeed, I have redeemed my award for a night at the Grand Wailea in Maui, which is worth 95,000 points a night. Amazing hotel! However, I would lower your “mental value” to closer to 50,000 points to prevent disappointment (and then go searching for dates in Maui…)

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their policy to only allow each person to get a welcome bonus once per card per lifetime.

Also see: Top 10 Best Credit Card Bonus Offers and Top 10 Best Business Card Offers.

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Hilton American Express Cards: Up to 130,000 Bonus Points + Free Night Award from My Money Blog.


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