There are a number of cobranded bank cards from Hilton Honors, and we regularly hear individuals ask which one is finest for his or her state of affairs
After evaluating the out there Hilton bank cards, you might be prepared to tug out one in all these playing cards to pay in your subsequent keep at a Hilton lodge.
Let’s check out some widespread playing cards you would possibly use to pay in your subsequent keep at lodges 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 lodge keep
Except for utilizing a Hilton cobranded bank card, you may also think about using journey rewards card that earns transferable factors on journey purchases, comparable to a lodge keep. Let’s take a look at some frequent choices and what you could possibly get when utilizing these playing cards.
| Card title | Incomes charge at Hilton lodges | 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 through 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 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 prematurely for choose advantages. Phrases apply.
The knowledge 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 supplied by the cardboard issuer.
Which card must you use?
When selecting a bank card in your subsequent keep at a Hilton property, think about two components: 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 utilize a particular card in your keep. For instance, you do not really have to 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 lodge utilizing the Sapphire Reserve by means of Chase Journey℠ or Citi Strata Premier by means of the Citi journey portal. This can typically rely as a third-party reserving, so whilst you’ll earn 10 factors per greenback spent on the acquisition, you may possible forgo any perks of Hilton elite standing.)
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On the subject of incomes factors from spending cash at lodges that take part in Hilton Honors, utilizing your Hilton bank card is definitely possibility. These present a greater charge of return than utilizing a Marriott bank card at a Marriott lodge, and with assertion credit on a number of Hilton cobranded playing cards, the price of your stays might be diminished.
Nevertheless, 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 might 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 know the way 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 Categorical Membership Rewards factors could also be your finest wager since you could possibly entry the full vary of switch companions and nonetheless have the choice to switch to Hilton Honors if you happen to’re a number 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 because of your Diamond standing, which you may earn no matter which card you utilize. Then, you possibly can 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 popular (a 6.2% return).
What’s essential on this state of affairs is which kind of factors you need 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 useful 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 lodge is fairly easy. With excessive incomes charges on Hilton bank cards, it is best to be capable to earn a excessive worth in rewards whereas additionally having fun with their advantages — with out the tradeoffs required by making this determination at another lodge 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.