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Hilton Honors American Express® Card

Hilton Honors American Express Card
AmexHilton Honors
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on American Express's website

Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Annual Fee
$150
Our valuationFirst-year valueWelcome bonus$300Total$30060,000 points valued at 0.5¢ per point, from our valuation table.Plus $50 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$300
Welcome offer+ a Free Night RewardEarn 60,000 Hilton Honors™ Points and a Free Night Reward after spending $3,000 in the first 3 months. Plus, earn 10,000 Points after spending $500 in month 13.
Up to70,000 points
+ a Free Night Reward
Offer ends Jan 11, 2027

Pros & Cons

Pros

  • Welcome Bonus: Up to 70,000 points
  • Up to 6x at Hilton hotels

Cons

  • High annual fee ($150/yr)
  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

The Hilton Honors American Express® Card is a Consumer Credit Card in Canada with a $150 annual fee.

The welcome offer includes 60,000 Hilton HonorsTM Points and a Free Night Reward after spending $3,000 in the first 3 months. Plus, earn 10,000 Points after spending $500 in month 13, for a potential total of 70,000 Points and a Free Night Reward. Offer ends January 11, 2027.

  • Earn 6 Points for every $1 in eligible Card purchases at participating Hilton brands, plus the Points you already earn as a Hilton Honors Member
  • Earn 4 Points for every $1 in eligible Card purchases at gas stations, grocery stores, and restaurants in Canada
  • Earn 2 Points for every $1 in all other Card purchases
  • Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
  • Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
  • No annual fee on Additional Cards

Rewards

All Spending

2x

Hilton Honors pts per dollar

Hilton hotels

6x

Hilton Honors pts per dollar

Gas

4x

Hilton Honors pts per dollar

Groceries

4x

Hilton Honors pts per dollar

Restaurants

4x

Hilton Honors pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.25¢1.5¢
Groceries4x
$700/month
Gas4x
$200/month
Transit2x
$100/month
Restaurants4x
$300/month
Pharmacy2x
$50/month
Travel2x
$150/month
Bills & recurring payments2x
$250/month
Telecom2x
$150/month
Entertainment & streaming2x
$100/month
Office supplies2x
$0/month
Search-engine & social-media advertising2x
$0/month
All other spending2x
$500/month

Points Earned

88,800

Hilton Honors/yr

Estimated Value

$444

After Fees

+$294

1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.

$594

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 4x33,600 pts
Gas$2,400/yr × 4x9,600 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 4x14,400 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year2.96x
Average earn rate on spend 1st year with welcome bonus4.96x
Total points earned on spend88,800 pts
Welcome bonus pointsUp to 60,000 pts
  • Earn 10,000 Hilton Honors after $500 in purchases in month 13 (year 2)

The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.

Total points earned148,800 pts
Value of points accumulated in the first year≈ $744

Additional Benefits

  • Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
  • Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
  • No annual fee on Additional Cards

Fees and interest rates

  • Annual Fee
    $150
  • Additional card fee
    $0
  • Foreign currency conversion fee
    2.5%
  • Purchase Rate
    21.99%
  • Cash advance rate
    21.99%

Terms & Conditions

Card Features

  • Earn up to 70,000 Hilton HonorsTM Points and a Free Night Reward
  • New Hilton Honors American Express® Cardmembers, can earn 60,000 Points and a Free Night Reward after spending $3,000 on your Card in the first 3 months
  • Plus, earn an additional 10,000 Points after you spend $500 on your Card in month 13
  • Offer ends January 11, 2027
  • Apply with confidence! See if you’ll be approved before you apply – with no impact to your credit score*
  • *Instant decisions are only available for Consumer (also known as Personal) Card applications
  • Earn 6 Points for every $1 in eligible Card purchases at participating Hilton brands, plus the Points you already earn as a Hilton Honors Member
  • Earn 4 Points for every $1 in eligible Card purchases at gas stations, grocery stores, and restaurants in Canada
  • Earn 2 Points for every $1 in all other Card purchases
  • Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
  • Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
  • No annual fee on Additional Cards

Legal

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Points Potential may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.

Hilton Honors American Express® Card | Points Potential