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The Hilton HHonors® Platinum Credit Card from American Express was last reviewed on 3rd May 2008
Summary - The Hilton HHonors® Platinum Credit Card from American Express is one of two Hilton HHonors credit card (the other being Citibanks' Hilton HHonors Visa. The American Express version is actually the better one as it allows you to earn more points than the Citibanks' Visa version. Find out more about this card.
Reward Formula - The Hilton Honor Platinum Credit Card allows a frequent traveller with Hilton Hotels to earn faster Hilton Honor Points. You earn 5 points when you charge your Hilton Honor Credit Card at participating Hilton®, Conrad®, Coral by Hilton, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton Grand Vacations Club®, Homewood Suites by Hilton® and Scandic hotels. You earn 3 points for every dollar you spend on other purchases. The points that you earn from using the American Express Hilton Honor credit card is on top of the points you earn from staying at participating Hilton hotels. You can earn unlimited points. For spending up to $100,000, you earn the 5 points for every dollar you spend at Hilton Hotels. Once your spending exceeds $100,000, you earn 2 points for every dollar spent at Hilton Hotels. Your Hilton Honor points do not expire if your account is active within 12 months.
Fees - There is no annual fee for the American Express Hilton Honor credit card. There
apr is prime rate plus 9.99%., which is the standard rate for hotel and airline credit cards.
Amex versus Visa - Citibank also issues the Hilton HHonors Visa, which competes with this card. However, the Citi Hilton HHonors Visa only allows you to earn 3 points for every dollar you spend at Hilton Hotels using their card and 2 points for every dollar spent on other purchases. Hence, the American Express Hilton HHonors card is the better card.
Verdict - The Hilton Honor program is one of the best hotel programs around. You can earn both hotel points and air miles (with partner airlines) when you stay at the Hilton Honors hotel. You are given three choices of accumulating your points. You can either just earn hotel points, air miles or a combination of both. A frequent traveler who stays regularly at any Hilton Honor hotels should consider the Hilton HHonors® Platinum Credit Card from American Express as a means of earning faster hotel points.
Positives
No annual feeHilton HHonors program lets you earn both points and miles
| Hilton HHonors® Platinum Credit Card from American Express |
| Reward Benefits |
| Sign-on Bonus |
10,000 bonus points
Balance Transfer Fees waived for first 90 days
Complimentary Hilton HHonors Silver membership for first year of card membership |
| Point Accumulation |
5 points for $1 spent at Hilton HHonors hotels
3 points for $1 spent for every other purchase |
| Anniversary Bonus |
none |
| Points Expiration |
None - but account must be active within 12 months |
| Caps on points |
Earn unlimited Points
For spending above $100,000, earn 2 points per $1 spent at eligible Hilton HHonors Hotel |
| Credit Limits |
Up to $100,000 |
| Travel and Insurance Benefits |
Up to $100,000 Travel Insurance
Automatic rental insurance
Amex Guarantee hotel room reservation
Free travelers checks |
| Other Benefits |
Extended warranty
purchase protection plan
Online fraud protection
24/7 Concierge service
Year-end account summary |
| Cost/Fees/Interest rates |
| Introductory rate |
2.9% fixed APR for first 6 billing cycles (balance transfers) |
| Annual Fees |
None |
| Purchase APR |
Prime Rate plus 9.99% |
| Balance Transfer APR |
Prime Rate plus 9.99% |
| Cash Advance APR |
Prime Rate plus 14.99% |
| Penalty/Default Rate APR |
Prime Rate plus 21.99% |
| Min Finance Charge |
$0.50 |
| Grace Period |
20 days |
| Balance Calculation Method |
Average Daily Balance |
| Balance Transfer Fee |
3%, min $5.00, max $50.00 |
| Convenience checks fee |
3%, min $5.00, max $50.00 |
| Cash Advance fee |
3% min $5.00 |
| Other Cash Advance fee |
3% min $5.00 |
| Foreign Currency Conversion fee |
2% |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$15.00 - less than $100
$29 - $100-$1000
$35 - greater than $1000 |
Apply for the Hilton HHonors® Platinum Credit Card from American Express
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