| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hotel Stays
On eligible purchases made directly with hotels and resorts within the Hilton portfolio.
|
7x | Points | No cap |
|
Dining
At U.S. restaurants only.
|
5x | Points | No cap |
|
Groceries
At U.S. supermarkets only.
|
5x | Points | No cap |
|
Gas Stations
At U.S. gas stations only.
|
5x | Points | No cap |
|
All Other Purchases
Base rate on all other eligible purchases not covered by a bonus category.
|
3x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The card carries no annual fee, making it a zero-cost entry point into the Hilton Honors co-branded card portfolio.
|
Financial |
$0 Annual Fee
Up to $0
|
|
No Foreign Transaction Fees
American Express charges no foreign transaction fees on purchases made abroad or in foreign currencies with this card.
|
Financial | No Fee |
|
Plan It — Pay Over Time
Eligible purchases can be split into monthly installments with a fixed monthly fee using the Plan It feature, giving cardmembers a flexible buy-now-pay-later option on larger purchases. Terms apply.
|
Financial | Complimentary Feature |
|
Car Rental Loss and Damage Insurance
Provides secondary coverage for damage to or theft of a rental vehicle when the cardmember uses their eligible card to reserve and pay for the entire rental and declines the collision damage waiver (CDW) at the rental counter. Not available in Australia, Italy, or New Zealand; does not include liability coverage.
|
Insurance | Secondary Coverage |
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on eligible purchases made with the card, for warranties of five years or less.
|
Insurance | Up to 1 Additional Year |
|
Purchase Protection
Covers eligible purchases made with the card against accidental damage or theft for up to 90 days from the purchase date, up to $1,000 per covered purchase and $50,000 per calendar year.
|
Insurance |
Up to $1,000 per item / $50,000 per year
Up to $1,000
|
|
Events with Amex — Presale & Reserved Tickets
Cardmembers receive access to exclusive Amex Presale Tickets and Amex Reserved Tickets for select concerts, Broadway shows, sporting events, and other live entertainment. Supply is limited and not all seats may be offered.
|
Lifestyle | Complimentary Access |
|
Resy Dining Access
Cardmembers can explore Resy's curated restaurant guides, discover dining experiences in their city and beyond, and book tables directly through the Resy app or resy.com.
|
Lifestyle | Complimentary Access |
|
3X Points on All Other Eligible Purchases
Earn 3 Hilton Honors Bonus Points per dollar on all other eligible purchases not covered by a bonus earning category.
|
Rewards | 3X Points |
|
5X Points at U.S. Gas Stations
Earn 5 Hilton Honors Bonus Points per dollar on eligible purchases at U.S. gas stations.
|
Rewards | 5X Points |
|
5X Points at U.S. Restaurants
Earn 5 Hilton Honors Bonus Points per dollar on eligible purchases at U.S. restaurants, including takeout and delivery.
|
Rewards | 5X Points |
|
5X Points at U.S. Supermarkets
Earn 5 Hilton Honors Bonus Points per dollar on eligible purchases at U.S. supermarkets.
|
Rewards | 5X Points |
|
7X Points on Hilton Hotel & Resort Purchases
Earn 7 Hilton Honors Bonus Points per dollar on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
|
Rewards | 7X Points |
|
Dispute Resolution
American Express will work with cardmembers to investigate and help resolve any fraudulent or incorrect charges appearing on their statement.
|
Security | Complimentary |
|
Fraud Alerts
American Express continuously monitors the account for suspicious activity using intelligent fraud detection systems and notifies the cardmember immediately if unusual activity is detected.
|
Security | Complimentary |
|
Amex Offers
Cardmembers receive access to a rotating catalog of merchant-specific statement credit and bonus points offers that can be added to the card through the Amex App or online account.
|
Shopping | Variable |
|
20% Bonus on Base Points During Paid Stays
Silver status grants a 20% bonus on all Hilton Honors Base Points earned during eligible paid stays at Hilton portfolio properties.
|
Travel | 20% Bonus on Base Points |
|
Complimentary Hilton Honors Silver Status
Cardmembers automatically receive Hilton Honors Silver elite status for as long as they hold the card, unlocking Silver-tier perks across the Hilton portfolio.
|
Travel | Complimentary |
|
Fifth Night Free on Award Stays
When booking a standard room award stay of five or more consecutive nights using 100% Hilton Honors Points, the fifth night is provided free of charge.
|
Travel | Complimentary 5th Night |
|
Global Assist Hotline
Provides 24/7 coordination and emergency assistance services when traveling more than 100 miles from home, including medical referrals, lost card assistance, and pre-trip customs information. Cardmembers are responsible for costs charged by third-party service providers.
|
Travel | Complimentary |
|
Path to Gold Status via Spending
Cardmembers who spend $20,000 in eligible purchases in a calendar year earn an upgrade to Hilton Honors Gold status through the end of the following calendar year.
|
Travel | Gold Status after $20,000 spend |
