The Citi® Hilton HHonors™ Visa Signature® Card is the best way to earn bonus points at Hilton Hotels. Cardholders will earn an amazing six points per dollar spent at hotels in the Hilton Worldwide Portfolio. This portfolio consists of several luxury, full-service and focused-service hotel chains. If you find yourself on the road often and prefer hotels associated with the Hilton family, you'll find your bonus points will pile up quickly.


The Hilton HHonors™ card will reward cardholders with 40,000 points if you spend $1,000 in the first four months of card ownership. Introductory bonuses are fairly common with travel rewards credit cards, but when compared to other competitor cards, the large number of bonus points, low spending requirements, and relatively long time allotted to meet the conditions make the Hilton HHonors™ bonus particularly attractive.


In addition to the high number of bonus points associated with staying at Hilton hotels, the Hilton HHonors™ card offers competitive bonuses connected with other purchases. Cardholders will appreciate earning three points for every dollar spent at supermarkets, drugstores, and gas stations, and two points per dollar on every other purchase. Some rewards cards limit the ways you can earn bonus points to very specific products. With the HHonors™ credit card, your earning options are much more diverse.


With all of the bonus rewards options offered by the HHonors™ card, a high annual fee could probably be justified, but one of the great features of the Hilton HHonors™ credit card is that there is no annual fee. If you're looking for a travel credit card with competitive rewards and no annual fee, the HHonors™ card will be a strong candidate.


Holders of the Hilton HHonors™ card are eligible to receive all the additional benefits associated with the Visa Signature® card. These far-reaching benefits include things like roadside assistance, lost luggage insurance, travel insurance, fraud protection, emergency assistance, and more.



Although the Hilton HHonors™ card does offer great travel-related redemption benefits like hotels, airfare, and car rentals, when compared with other travel rewards cards, the redemption options fall a bit short. Some competitor cards offer more comprehensive rewards that include travel, as well as things like cash back and gift cards.


For a rewards card that promotes travel, you might be surprised to find fees associated with foreign currency transactions. The HHonors™ card does come with a 3% transaction fee on all foreign currency transactions. Although this may not be a deal-breaker, it is definitely something to consider if you find yourself traveling internationally on a regular basis.


Rates and Fees
Annual Fee $0
Cash Advance Fee $10 or 5% per cash advance
Cash Advance Rate (APR) 25.24%
Foreign Currency Transaction Fee 3% per transaction
Introductory Rate (APR) None
Standard Rate (APR) 14.24%
Penalty Fees
Default Penalty Rate (APR) 25.24%
Late Payment Fee Up to $35
Minimum Interest Charge $0.50
Over-Limit Fee None
Returned Payment Fee Up to $35
Balance Transfers
Introductory Balance Transfer Rate (APR) None
Standard Balance Transfer Fee $5 or 3% per transfer
Standard Balance Transfer Rate (APR) 14.24%
Additional Rewards for Dining None
Additional Rewards for Gas 3 points per $1
Additional Rewards for Groceries 3 points per $1
Additional Rewards for Shopping None
Additional Rewards for Travel None
Bonus Points Offered None
Rewards Earnings for All Purchases 2 points per $1
Sign-Up Bonus 40,000 points after spending $1,000 within first 4 months
Type of Reward Points


  • Offers Companion Reward The airline credit card offers a companion airfare reward.

  • 2:1 Rewards or More The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.

  • Additional 2:1 Rewards Categories The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.

  • No Blackout Dates There are no blackout travel dates for your points, miles, or cash back rewards.

  • No Expiration Your rewards points, miles, or cash back rewards will never expire.

  • Sign-Up Bonus The credit card offers a sign-up bonus reward.

  • Unlimited Rewards You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.

  • Bonus Points Offered The credit card offers bonus points you can earn throughout the year.

  • Early Boarding You receive priority boarding benefits as an owner of the credit card.

  • First Bag Free Your first checked bag is free.

  • In-Flight Spending Bonus You receive a discount or additional bonus points on all in-flight expenditures.

  • 24/7 Live Service You can speak with a live representative at any time of day about your credit card.

  • Emergency Support The credit card offers emergency support.

  • Exclusive Events You have access to exclusive events with the credit card.

  • Fraud Liability The credit card offers fraud liability protection.

  • Partner Point Transfer You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.

  • Price Protection You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.

  • Purchase Security You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.

  • Book in Someone Else's Name You can use your airline rewards to book a trip in someone else's name.

  • Redeem for Airline Travel Rewards can be redeemed for airline travel.

  • Redeem for Car Rental Rewards can be redeemed for car rental.

  • Redeem for Hotel Rewards can be redeemed for hotel stays.

  • Redeem for Merchandise Rewards can be redeemed for merchandise.

  • Redeem for Other Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.

  • Redeem Online You can redeem your points, miles, or cash back rewards online.

  • Redeem on Other Airlines Rewards can be redeemed for airline travel on other airlines.

  • Redeem for Cash Back Rewards can be redeemed as cash back or statement credit.

  • Redeem for Gift Cards Rewards can be redeemed for gift cards.

  • Apply By Phone You can complete the credit card application process via phone.

  • Apply Online You can complete the entire credit card application process online.

  • Instant Approval You can get instant approval for the credit card.

  • Apply In Person You can apply for the credit card live in person.

  • Transfer from Credit Cards You can transfer a balance from another credit card.

  • Introductory Balance Transfer Rate (APR) The credit card offers an introductory balance transfer rate (APR).

  • No Introductory Balance Transfer Fee The credit card doesn't charge a percentage fee on the new balance transferred to the card.

  • Transfer from Loans You can transfer a balance from a loan to the credit card.

  • Car Rental Insurance The credit card offers car rental insurance.

  • Extended Warranty The credit card offers an extended warranty on purchases.

  • Lost Luggage Insurance The credit card offers lost luggage insurance.

  • Roadside Assistance The credit card offers roadside assistance.

  • Travel Insurance The credit card offers travel insurance.

  • Flight Insurance The credit card offers flight insurance.

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