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American Express · credit
Last updated
Welcome offer — Offer varies — typically 100,000 points + $100 credit after $2,000 spend in 6 months Estimated by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 7× | Hilton portfolio purchases Inferred by source |
|---|---|
| 5× | US restaurants, supermarkets & gas stations Inferred by source |
| 3× | Everything else Inferred by source |
No lounge access.
| Hilton Honors Silver status | Complimentary Silver — 20% points bonus, 5th reward night free; upgradeable to Gold at $20k annual spend Inferred by source |
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| Rental car CDW | Secondary auto rental coverage Inferred by source |
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Using Hilton Honors at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Hilton Honors American Express Card has no annual fee.
The Hilton Honors American Express Card earns 7x on hilton portfolio purchases, 5x on us restaurants, supermarkets & gas stations, 3x on everything else.
No — the Hilton Honors American Express Card does not include airport lounge access.
No — the Hilton Honors American Express Card has no foreign transaction fee, so it's a good card to use abroad.
Offer varies — typically 100,000 points + $100 credit after $2,000 spend in 6 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.