There are a number of cobranded bank cards from Hilton Honors, and we frequently hear folks ask which one is greatest for his or her scenario
After evaluating the accessible Hilton bank cards, you could be prepared to drag out certainly one of these playing cards to pay on your subsequent keep at a Hilton resort.
Let’s check out some in style playing cards you may use to pay on your subsequent keep at motels within the Hilton Honors program and what these playing cards can give you when it comes to return on spending and perks throughout your keep.
Evaluating bank cards for a Hilton resort keep
Other than utilizing a Hilton cobranded bank card, you may also think about using an excellent journey rewards card that earns transferable factors on journey purchases, resembling a resort keep. Let’s take a look at some frequent choices and what you could possibly get when utilizing these playing cards.
| Card identify | Incomes price at Hilton motels | Worth of the rewards earned* | Hilton-related advantages from the cardboard** | Annual price |
|---|---|---|---|---|
| Hilton Honors American Categorical Aspire Card | 34 factors per greenback (14 factors from the cardboard plus 10 base factors as a Hilton member plus 100% Diamond standing bonus) | 20.4 cents |
|
$550 (see charges and costs) |
| Hilton Honors American Categorical Surpass® Card | 30 factors per greenback (12 factors from the cardboard plus 10 base factors as a Hilton member plus 80% Gold standing bonus) | 18 cents |
|
$150 (see charges and costs) |
| The Hilton Honors American Categorical Enterprise Card | 30 factors per greenback (12 factors from the cardboard plus 10 base factors as a Hilton member plus 80% Gold standing bonus) | 18 cents |
|
$195 (see charges and costs) |
| Hilton Honors American Categorical Card | 19 factors per greenback (7 factors from the cardboard plus 10 base factors as a Hilton member plus 20% Silver standing bonus) | 11.4 cents |
|
$0 (see charges and costs) |
| Chase Sapphire Reserve® | 3 factors per greenback (or 10 factors per greenback if booked by way of Chase Journey℠) | 6.1 cents (or 20 cents) | None | $550 |
| American Categorical® Inexperienced Card | 3 factors per greenback | 6 cents | None | $150 |
| Citi Strata Premier℠ Card (see charges and costs) | 3 factors per greenback (or 10 factors per greenback if booked by way of CitiTravel.com) | 5.4 cents | None | $95 |
* Worth of rewards is predicated on TPG’s March 2025 valuation and never the cardboard issuer.
** Enrollment is required upfront for choose advantages. Phrases apply.
The data for the Hilton Aspire and American Categorical Inexperienced playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Which card must you use?
When selecting a bank card on your subsequent keep at a Hilton property, contemplate two elements: the advantages you get pleasure from throughout your keep and the factors you earn on the cardboard when paying on your keep.
The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you employ a selected card on your keep. For instance, you do not truly have to pay with the Amex Hilton Aspire card to get pleasure from your Diamond standing advantages throughout your subsequent Hilton keep.
(The one exception is reserving a paid keep at a Hilton resort utilizing the Sapphire Reserve by means of Chase Journey℠ or Citi Strata Premier by means of the Citi journey portal. This may typically rely as a third-party reserving, so when you’ll earn 10 factors per greenback spent on the acquisition, you will possible forgo any perks of Hilton elite standing.)
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In relation to incomes factors from spending cash at motels that take part in Hilton Honors, utilizing your Hilton bank card is definitely an excellent choice. These present a greater price of return than utilizing a Marriott bank card at a Marriott resort, and with assertion credit on a number of Hilton cobranded playing cards, the price of your stays could be decreased.
Nonetheless, the worth available right here is subjective in some methods: Do you favor to earn the utmost worth based on our month-to-month factors valuations? Are you OK with that even when it means incomes factors which might be caught in a single program and may solely be used with Hilton (or transferred to airways in such a means that you simply lose plenty of worth)?
Or do you favor to earn transferable factors as a result of you understand how to maximise these for first- and business-class flight awards, acquiring outsize worth on your factors? On this case, utilizing a card that earns American Categorical Membership Rewards factors could also be your greatest wager since you could possibly entry the full vary of switch companions and nonetheless have the choice to switch to Hilton Honors should you’re a number of factors shy of your subsequent redemption.
Suppose you might have each the Aspire and the Sapphire Reserve. That signifies that you’d earn 20 Hilton factors per greenback spent due to your Diamond standing, which you will earn no matter which card you employ. Then, you’ll be able to select to make use of your Aspire to earn 14 Hilton factors per greenback spent (an 8.4% return based on our March 2024 valuations) or 3 Chase factors per greenback spent together with your Sapphire Most popular (a 6.2% return).
What’s vital on this scenario is which kind of factors you need to earn. Are you prepared to forgo a 2.2% return to earn Chase factors as an alternative of Hilton factors?
Associated: Maximize your rewards: Your factors and miles guidelines
Backside line
Deciding which bank card to make use of on any given buy can typically require tradeoffs. Perhaps you earn extra factors however sacrifice some advantages. Or maybe you are prepared to earn fewer factors however entry a precious insurance coverage profit through the use of a specific card.
Fortunately, the selection of which bank card to make use of when staying at a Hilton resort is fairly easy. With excessive incomes charges on Hilton bank cards, you need to be capable of earn a excessive worth in rewards whereas additionally having fun with their advantages — with out the tradeoffs required by making this resolution at another resort chains.
Associated: Present welcome bonuses on Hilton Amex playing cards
For charges and costs of the Amex Hilton Aspire card, click on right here.
For charges and costs of the Amex Hilton Surpass card, click on right here.
For charges and costs of the Amex Hilton card, click on right here.
For charges and costs of the Amex Hilton Enterprise card, click on right here.
For charges and costs of the Amex Inexperienced card, click on right here.
