Our illustration in the card’s colours, not its design
American Express credit card
Hilton Honors American Express Card
No annual fee. Purchase APR 29.49%. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · americanexpress.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · americanexpress.com
“APR: 29.49%”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · americanexpress.com
“No Foreign Transaction Fees”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $240 | $240 | |
| Typical spender | $580 | $580 | |
| Heavy spender | $1,280 | $1,280 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢.
$240a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢.
$580a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢.
$1,280a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 100% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$175 a year
- CareCredit MastercardSynchrony · No annual fee+$130 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$115 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Hilton Honors
How you earn
- 7×
- Hotels & Resorts within the Hilton portfolio
- 5×
- U.S. restaurantsU.S. supermarketsU.S. gas stations
- 3×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Complimentary Hilton Honors Silver status
- A 20% bonus on all Hilton Honors Base Points as a Silver member
- Spend $20,000 on eligible purchases in a calendar year to earn an upgrade to Hilton Honors Gold Status through the end of the next calendar year
- No foreign transaction fees
- Access to Amex Presale Tickets and Amex Reserved Tickets for select events
All 18 benefits
- Additional perks at select events
- Send & Split with Venmo and PayPal; enrollment required
- Access to Amex Offers for extra rewards on qualifying purchases with select brands
- American Express Venue Collection benefits, including dedicated entrances or fast lanes at select stadiums and arenas
- 10% back on qualifying concessions purchases at participating American Express Venue Collection locations, up to $250 per calendar year; enrollment required
- Global Assist Hotline available 24/7 when traveling more than 100 miles from home
- Year-End Summary of charges
- Additional Cards may be added for anyone who makes purchases for the cardmember, including a child age 13 or older
- Instant Card Number for eligible approved applicants
- No current Free Night Reward benefit
- Rental car
- Emergency assistance
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per calendar year
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · americanexpress.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · americanexpress.com “APR: 29.49%” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · americanexpress.com “No Foreign Transaction Fees” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · americanexpress.com, since Oct 1, 2026
- Does it charge a foreign transaction fee?
- No. · americanexpress.com, since Nov 1, 2026
- What is the purchase APR?
- 29.49% APR · americanexpress.com, since Sep 29, 2026