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 obtainable Hilton bank cards, it’s possible you’ll be prepared to drag out one among these playing cards to pay in your subsequent keep at a Hilton resort.
Let’s check out some fashionable playing cards you may use to pay in your subsequent keep at inns 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 additionally think about using an excellent journey rewards card that earns transferable factors on journey purchases, equivalent to a resort keep. Let’s take a look at some frequent choices and what you possibly can get when utilizing these playing cards.
| Card identify | Incomes price at Hilton inns | Worth of the rewards earned* | Hilton-related advantages from the cardboard** | Annual payment |
|---|---|---|---|---|
| Hilton Honors American Specific 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 charges) |
| Hilton Honors American Specific 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 charges) |
| The Hilton Honors American Specific 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 charges) |
| Hilton Honors American Specific 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 charges) |
| Chase Sapphire Reserve® | 3 factors per greenback (or 10 factors per greenback if booked through Chase Journey℠) | 6.1 cents (or 20 cents) | None | $550 |
| American Specific® Inexperienced Card | 3 factors per greenback | 6 cents | None | $150 |
| Citi Strata Premier℠ Card (see charges and charges) | 3 factors per greenback (or 10 factors per greenback if booked through 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 knowledge for the Hilton Aspire and American Specific 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 do you have to use?
When selecting a bank card in your subsequent keep at a Hilton property, take into account two elements: the advantages you take pleasure in throughout your keep and the factors you earn on the cardboard when paying in your keep.
The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you employ a particular card in your keep. For instance, you do not truly must pay with the Amex Hilton Aspire card to take pleasure in 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 Chase Journey℠ or Citi Strata Premier by the Citi journey portal. This may typically rely as a third-party reserving, so whilst you’ll earn 10 factors per greenback spent on the acquisition, you may doubtless forgo any perks of Hilton elite standing.)
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In terms of incomes factors from spending cash at inns 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 will be lowered.
Nonetheless, the worth available right here is subjective in some methods: Do you like 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 approach that you just lose numerous worth)?
Or do you like to earn transferable factors as a result of you understand how to maximise these for first- and business-class flight awards, acquiring outsize worth in your factors? On this case, utilizing a card that earns American Specific Membership Rewards factors could also be your greatest wager since you possibly can entry the full vary of switch companions and nonetheless have the choice to switch to Hilton Honors when you’re a couple of factors shy of your subsequent redemption.
Suppose you’ve got each the Aspire and the Sapphire Reserve. That implies that you’d earn 20 Hilton factors per greenback spent due to your Diamond standing, which you may 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 along with your Sapphire Most well-liked (a 6.2% return).
What’s necessary on this scenario is which kind of factors you wish to earn. Are you prepared to forgo a 2.2% return to earn Chase factors as a substitute 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 invaluable insurance coverage profit by utilizing a selected 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, it’s best to have the ability to earn a excessive worth in rewards whereas additionally having fun with their advantages — with out the tradeoffs required by making this choice at another resort chains.
Associated: Present welcome bonuses on Hilton Amex playing cards
For charges and charges of the Amex Hilton Aspire card, click on right here.
For charges and charges of the Amex Hilton Surpass card, click on right here.
For charges and charges of the Amex Hilton card, click on right here.
For charges and charges of the Amex Hilton Enterprise card, click on right here.
For charges and charges of the Amex Inexperienced card, click on right here.