AmEx Hilton Credit Card Review (2024.9 Update: 100k Offer)

physixfan 2024-09-20 2024-09-20

Non-affiliate disclosure: all information about the this card have been collected independently by US Credit Card Guide and has not been reviewed by the issuer.

2024.9 Update: The 100k offer comes back.Offer ends on 2025/01/08.

2024.8 Update: The welcome offer is now lower.It seems the best you can see currently is 95k via incognito mode.

2024.5 Update2: The new offer is 70k+1FN.Offer ends on 2024/07/31.

Application Link

Benefits

100k offer: earn 100,000 Honors Points after spending $2,000 in first 6 months. The recent best offer is 100k+50k.
We value Hilton Honors Point at 0.4 cents/point (Hotel Points Value), click here to see how many points are required for a reward night.
Therefore, the 100k welcome offer is worth about $400.
Earn 7 Hilton Honors points per $1 spent on hotel stays within Hilton Portfolio; 5 points on US restaurants, US supermarkets, and US gas stations; 3 points on other purchases.
Complimentary Hilton Silver status for the cardholder.Upgrade to Hilton Gold status when you make $20,000 or more in purchases each calendar year.
No annual fee! This is quite rare in hotel credit cards.
With this credit card, you can get access to Amex Offers, which often offers very good discounts at some stores.In the past we have seen offers like: Spend $15 or more and get $5 back at Walmart; Spend $75 or more and get $25 back on Amazon.com.
Refer a friend: You can earn 10,000 bonus Hilton points for every approved account you refer, up to 80,000 Hilton Points per calendar year.
No foreign transaction fee.

Disadvantages

The 5x bonus categories are limited within the United States.

Recommended Application Time

Note that AmEx has a policy: If you currently or have previously held a specific AmEx credit card, you will not be eligible for the welcome bonus offer.So if you want to squeeze the highest rewards from credit cards, you should apply for the welcome offer first, and then take the upgrade offer, and then possibly go on upgrading/downgrading.
You can only get the welcome bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
AmEx doesn’t tend to care about the number of hard pulls.
You should try to apply for it once you have a credit history of 6 months.
Only 2 AmEx credit cards can be approved within 90 days, but this rule does not apply to charge cards. Multiple cards approved in the same day will only have one Hard Pull.
You can keep at most 5 AmEx credit cards, but this rule does not apply to charge cards.

Summary

The sign-up bonus is decent, so it’s worth applying.

Because it has no annual fee, it is a good downgrading option, and there’s no harm to keep for long time.You may also see good upgrade offers on this card from time to time.

Related Credit Cards

After Applying

Click here to check AmEx application status.

AmEx reconsideration backdoor number: 877-399-3083.The “real” backdoor number of Amex is well protected.Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

Application Link

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.