| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hilton Portfolio Hotels and Resorts
Earned on eligible purchases charged directly with hotels and resorts within the Hilton portfolio. No annual cap.
|
12x | Points | No cap |
|
U.S. Restaurants
Earned on eligible purchases at U.S. restaurants. Does not apply to restaurant purchases made outside the United States. No annual cap.
|
6x | Points | No cap |
|
U.S. Supermarkets
Earned on eligible purchases at U.S. supermarkets. Does not apply to supermarket purchases made outside the United States. No annual cap.
|
6x | Points | No cap |
|
U.S. Gas Stations
Earned on eligible purchases at U.S. gas stations. Does not apply to gas station purchases made outside the United States. No annual cap.
|
6x | Points | No cap |
|
U.S. Online Retail Purchases
Earned on eligible U.S. online retail purchases. Applies to U.S.-based online merchants only; does not apply to online purchases made with foreign merchants. No annual cap.
|
4x | Points | No cap |
|
All Other Eligible Purchases
Base earn rate applied to all eligible purchases not covered by a higher bonus category, including all purchases made outside the United States regardless of merchant category. Excludes fees, interest charges, cash advances, and other non-purchase transactions.
|
3x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Hilton Portfolio Quarterly Statement Credit
Receive up to $50 in statement credits each calendar quarter (up to $200 annually) for eligible purchases made directly with properties in the Hilton portfolio on the Card. Credits reset each quarter (January–March, April–June, July–September, October–December).
|
Credits |
$50/quarter (up to $200/year)
Up to $200
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States, whether at physical merchants abroad or international online merchants.
|
Financial | 0% foreign transaction fee |
|
Plan It — Pay Over Time Feature
Eligible purchases of a qualifying minimum amount may be split into equal monthly installments with a fixed monthly plan fee (up to 1.33% per month of the amount placed in a plan), rather than accruing standard purchase APR interest. Plan fee and duration are disclosed before each plan is created.
|
Financial | Fixed monthly fee (up to 1.33%/month) |
|
Baggage Insurance Plan
Provides coverage for lost, damaged, or stolen baggage when traveling on a common carrier (plane, train, ship, or bus) and the entire fare is charged to the eligible Card. Coverage is up to $1,250 for carry-on baggage and up to $500 for checked baggage in excess of the common carrier's coverage. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $1,250 carry-on; up to $500 checked
Up to $1,250
|
|
Car Rental Loss and Damage Insurance (Secondary)
Provides secondary coverage for damage to or theft of a rental vehicle (up to $50,000) when the Card is used to reserve and pay for the entire rental and the CDW is declined at the counter. Geographic restrictions apply; not all vehicle types are covered; no liability coverage included. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $50,000 secondary CDW coverage
Up to $50,000
|
|
Extended Warranty
Extends the original U.S. manufacturer's warranty by up to one additional year on covered purchases made with the Card, applicable to warranties of 5 years or less. Maximum coverage is up to $10,000 per covered purchase and up to $50,000 per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to 1 additional year; up to $10,000/item
Up to $10,000
|
|
Purchase Protection
Covers eligible new purchases made with the Card against accidental damage or theft for up to 90 days from the date of purchase. Coverage limits and exclusions apply. Underwritten by AMEX Assurance Company.
|
Insurance | Up to 90 days from purchase date |
|
American Express Experiences
Access to Amex Presale Tickets and Amex Reserved Tickets for select concerts, sporting events, Broadway shows, and other entertainment through the American Express Experiences program, while supplies last.
|
Lifestyle | Complimentary access |
|
Resy Restaurant Access
Access to Resy's curated restaurant guides and the ability to discover and book tables at restaurants through the Resy app or resy.com as an American Express cardmember.
|
Lifestyle | Complimentary access |
|
12X Points at Hilton Portfolio Hotels and Resorts
Earn 12 Hilton Honors points per dollar on eligible purchases made directly with hotels and resorts within the Hilton portfolio. No annual cap.
|
Rewards | 12X Points |
|
3X Points on All Other Eligible Purchases
Earn 3 Hilton Honors points per dollar on all eligible purchases not covered by a higher bonus category, including all purchases made outside the United States regardless of merchant type. No annual cap.
|
Rewards | 3X Points |
|
4X Points on U.S. Online Retail Purchases
Earn 4 Hilton Honors points per dollar on U.S. online retail purchases. Applies to U.S.-based online merchants only; does not apply to foreign online merchants. No annual cap.
|
Rewards | 4X Points |
|
6X Points at U.S. Gas Stations
Earn 6 Hilton Honors points per dollar at U.S. gas stations. Does not apply to gas purchases made outside the United States. No annual cap.
|
Rewards | 6X Points |
|
6X Points at U.S. Restaurants
Earn 6 Hilton Honors points per dollar at U.S. restaurants. Does not apply to restaurant purchases made outside the United States. No annual cap.
|
Rewards | 6X Points |
|
6X Points at U.S. Supermarkets
Earn 6 Hilton Honors points per dollar at U.S. supermarkets. Does not apply to supermarket purchases made outside the United States. No annual cap.
|
Rewards | 6X Points |
|
Fraud Protection and Dispute Resolution
American Express continuously monitors account activity for suspicious or unauthorized charges and notifies the cardmember immediately if unusual activity is detected. Cardholders incur zero liability for unauthorized charges, and American Express works with the cardmember and merchant to investigate and resolve billing disputes.
|
Security | Complimentary |
|
Amex Offers
Access rotating, personalized statement credit and bonus points offers from a wide range of brands. Offers must be added to the Card via the Amex App or online account before making eligible purchases.
|
Shopping | Variable savings |
|
Complimentary Hilton Honors Gold Elite Status
Cardholders automatically receive Hilton Honors Gold Elite status for as long as the Card is held, providing a 25% bonus on Base Points earned on eligible hotel stays, complimentary breakfast or daily food and beverage credit at select Hilton brands, fifth night free on standard award stays of five or more nights, and enhanced room assignment. Status is revoked if the account is cancelled.
|
Travel | Complimentary |
|
Diamond Status Upgrade Path
Earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year after spending $40,000 on eligible purchases on the Card in a calendar year. Diamond status includes a 100% bonus on Base Points, daily food and beverage credit at select U.S. brands, complimentary continental breakfast at select international brands, executive lounge access, and space-available room upgrades.
|
Travel | Complimentary upgrade (after $40,000 annual spend) |
|
Free Night Reward (Spend-Triggered)
Earn one Free Night Reward from Hilton Honors after spending $15,000 on eligible purchases on the Card in a calendar year, redeemable for one standard room at participating Hilton portfolio properties. Certain resort fees may apply.
|
Travel | Complimentary (after $15,000 annual spend) |
|
Global Assist Hotline
24/7 emergency assistance and coordination services available when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wire coordination, missing luggage assistance, and customs information. Cardmembers are responsible for costs charged by third-party service providers.
|
Travel | Complimentary access |
|
National Car Rental Emerald Club Executive Status
Receive complimentary National Car Rental Emerald Club Executive status, including Executive Area Access for full-size reservations and above in the USA and Canada. Enrollment through the cardmember's American Express online account is required.
|
Travel | Complimentary Executive status |
