Hilton Honors American Express Card
No-Fee Hilton Card with Silver Status
Annual Fee
$0
Earning Rate
7x Hilton hotels • 5x dining • 5x groceries • 5x gas • 3x everything else
Welcome Bonus
80,000 points after $2,000 spend in 6 months
Card Material
70% reclaimed plastic card with matte finish
Practical Recommendation
If you touch Hilton a couple times a year, this is the simple, no-fee way to collect points: 7x on Hilton stays, 5x on common U.S. categories, and built-in Silver status (unlocks the fifth night free on awards). Pair it with a flexible travel card for protections and you're set.
Do not expect premium perks—no annual free night or credits here. Bottom line: great starter or drawer card for light Hilton users; frequent Hilton travelers should look at Surpass or Aspire for richer perks.
Perks
- Earning details (plain English) – 7x at hilton hotels & resorts; 5x at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; 3x on everything else. — Earning rates (Amex overview)
- Silver status included; path to Gold – Complimentary Hilton Honors Silver while you hold the card; Gold after $20,000 in purchases in a calendar year (through end of the next year). — Status terms — Hilton cards page
- Fifth Night Free on award stays – With elite status (Silver or higher), every 5th night on a standard room award is free (up to 20 nights). Great for longer points stays. — How it works
- No foreign transaction fees – Use it abroad without extra Amex fees; merchant acceptance still matters. — No FX fee detail
- Made with recycled material – Card body uses 70% reclaimed plastic (new design). Small win for the planet. — Hilton press note
Protections
- Car Rental Loss & Damage Insurance (secondary) – Coverage for theft or damage when you pay with the card and decline the rental agency's collision waiver; liability not included; geographic and vehicle exclusions apply. — Benefit guide hub
- Purchase Protection – Covers eligible new purchases against theft or accidental damage for 90 days, up to $1,000 per covered purchase and $50,000 per account per year. — Purchase protection terms
- Extended Warranty – Adds up to 1 extra year on eligible U.S. manufacturer warranties of 5 years or less (limits and exclusions apply). — Extended warranty terms