There are a number of cobranded bank cards from Hilton Honors, and we frequently hear folks ask which one is finest for his or her scenario
After evaluating the accessible Hilton bank cards, you might be prepared to drag out one among these playing cards to pay on your subsequent keep at a Hilton resort.
Let’s check out some common playing cards you would possibly use to pay on 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
Apart from utilizing a Hilton cobranded bank card, you may also think about using a great journey rewards card that earns transferable factors on journey purchases, reminiscent of a resort keep. Let’s take a look at some widespread 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 charge |
|---|---|---|---|---|
| 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 costs) |
| 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 costs) |
| 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 costs) |
| 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 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 Specific® 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 relies 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 supplied by the cardboard issuer.
Which card do you have to use?
When selecting a bank card on 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 on your keep.
The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you utilize a particular card on your keep. For instance, you do not really 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 way of Chase Journey℠ or Citi Strata Premier by way of the Citi journey portal. This may usually rely as a third-party reserving, so when you’ll earn 10 factors per greenback spent on the acquisition, you will seemingly forgo any perks of Hilton elite standing.)
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On the subject of incomes factors from spending cash at inns that take part in Hilton Honors, utilizing your Hilton bank card is definitely a great 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 lowered.
Nevertheless, the worth available right here is subjective in some methods: Do you like to earn the utmost worth in response to our month-to-month factors valuations? Are you OK with that even when it means incomes factors which can be caught in a single program and might solely be used with Hilton (or transferred to airways in such a method that you simply lose a variety of worth)?
Or do you like 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 on your factors? On this case, utilizing a card that earns American Specific Membership Rewards factors could also be your finest guess since you possibly can entry the full vary of switch companions and nonetheless have the choice to switch to Hilton Honors when you’re just a few factors shy of your subsequent redemption.
Suppose you’ve gotten 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 will earn no matter which card you utilize. 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 in response to 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 sort 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 generally 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 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, 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 choice 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.
