Hilton Honors American Express Card
No annual fee · 3x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 5x | uncapped |
| Groceries | 5x | uncapped |
| Gas | 5x | uncapped |
| Everything else | 3x | uncapped |
| Hotels at Hilton only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
7x | uncapped |
See how it ranks: best dining cards · best groceries cards · best gas cards.
Signup bonus: 80,000 points after $2,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- Hilton Honors Silver status (upgrade to Gold after $20,000 spend in a calendar year)
- No Foreign Transaction Fees
- Amex Special Ticket Access (Presale/Reserved Tickets)
- Send & Split (Venmo/PayPal integration, enrollment required)
- Car Rental Loss and Damage Insurance (secondary)
- Global Assist Hotline
- Purchase Protection (up to $1,000/purchase, $50,000/calendar year)
- American Express Venue Collection (10% back on qualifying concessions, up to $250/calendar year, enrollment required)
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn Hilton Honors points →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com · www.thepointsguy.com. Spot an error? Tell us.