There are multiple co-brands. credit card from Hilton Honorsand we often hear people ask which one is best for their situation. After comparing the Hilton Credit CardYou may be ready to pull out one of these cards to pay for your next stay at Hilton Hotel hotel.
Let’s take a look at some popular cards you can use to pay for your next stay at hotels in Hilton Honors Program and these cards can give you returns on spending and benefits during your stay.
Compare credit cards when staying at Hilton hotels
In addition to using a Hilton co-branded credit card, you may also consider using a travel rewards card that earns Transferable Points when shopping while traveling, such as staying at a hotel. Let’s take a look at some popular options and what you can get when using these cards.
| Name card | Income ratio at Hilton hotels | Reward value earned* | Hilton card benefits | Annual fee |
|---|---|---|---|---|
| Hilton Honors American Express Aspire Card | 14 points per dollar | 8.4 cents |
|
$550 (see prices and fees) |
| Hilton Honors American Express Surpass® Card | 12 points per dollar | 7.2 cents |
|
$150 (see prices and fees) |
| Hilton Honors American Express Business Card | 12 points per dollar | 7.2 cents |
|
$195 (see prices and fees) |
| Hilton Honors American Express Card | 7 points per dollar | 4.2 cents |
|
$0 (see prices and fees). |
| American Express® Green Card | 3 points per dollar | 6 cents | Do not have | $150 (see prices and fees) |
| Chase Sapphire Reserve® | 3 points per dollar (or 10 points per dollar if booked through Chase Travel℠) | 6.1 cents (or 20 cents) | Do not have | $550 |
| Citi Strata Premier℠ Card (see prices and fees) | 3 points per dollar (or 10 points per dollar if booked through CitiTravel.com) | 5.4 cents | Do not have | $95 (see r)and fees) |
* Bonus value is estimated value Calculated by TPG and is not the card issuer.
The information about the Hilton Aspire and American Express Green cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Which credit card earns the most points when staying at Hilton?
Which card should you use?
When choosing a credit card for your next Hilton stay, consider two factors: the benefits you enjoy during your stay and the points you earn on the card when you pay for your stay.
The first part is relatively simple. Your elite status perks will apply regardless of which specific card you use for your stay. For example, you don’t actually need to pay with the Amex Hilton Aspire card to enjoy Benefits of Diamond Status on your next Hilton stay.
(The only exception is a paid stay at a Hilton hotel using a Sapphire Reserve through Chase Travel℠ or a Citi Strata Premier through CitiTravel.com. This typically counts as Third party booking(So while you’ll earn 10 points per dollar spent on purchases, you’ll likely lose any Hilton elite membership benefits.)
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When it comes to earning points from spending money at participating hotels Hilton Honorsyour use Hilton Credit Card are really a good choice. They offer better profit margins. Use Marriott credit card at Marriott hotelsAnd with credits on select Hilton co-branded cards, your stay costs can be reduced.
However, the value gained here is subjective in a number of ways: Do you prefer to earn maximum value by our monthly score review? Are you okay with that even if it means earning points that are stuck in a single program and can only be used with Hilton (or transferred to the airlines in such a way that you lose a lot of value)?
Or do you prefer making money? Transferable Points because you know how to maximize these for first and business class flight awards, getting exceptional value for your points? In this case, use American Express Membership Rewards card may be your best choice because you can access full range of transfer partners and still have the option to move to Hilton Honors If you are still a few points short of your next redemption.
Related: From Beginner to Expert: 6 Ways to Up Your Miles Redemption Game
Last line
Deciding which credit card to use for any purchase can sometimes involve trade-offs. You may earn more points but sacrifice some benefits. Or you may be willing to earn fewer points but enjoy valuable insurance benefits by using a particular card.
Luckily, choosing which credit card to use when staying at Hilton hotels is pretty straightforward. With high rewards rates on Hilton credit cards, you can earn valuable rewards while still enjoying their benefits — without the trade-offs that come with making this decision at some other hotel chains.
Related links:
For rates and fees for the Amex Hilton Aspire card, click This.
For rates and fees for the Amex Hilton Surpass card, click This.
For rates and fees for the Amex Hilton card, click This.
For rates and fees for the Amex Hilton Business card, click This.
For Amex Green card rates and fees, click This.
