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Amex hotel cards: How to choose the right one

Frequent and casual travelers alike could find a new favorite travel companion.

Updated

Fact checked

Our pick for an Amex hotel card: Hilton Honors American Express Card

Hilton Honors American Express Card logo

80,000-point

Welcome offer after spending $1,000 in first 3 months

  • 7x points on Hilton Honors
  • 5x points at US restaurants, US supermarkets and US gas stations
  • No annual fee
Apply now
See rates & fees

American Express hotel cards offer two loyalty programs for cardholders to choose from.

One is Hilton Honors, which has a suite of three cards. The other is the Marriott Bonvoy program.

Compare American Express hotel cards

Name Product Filter values Rewards Purchase APR Annual fee
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
CardMatch™ from creditcards.com
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Hilton Honors American Express Surpass® Card
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
The Hilton Honors American Express Business Card
12x points at Hilton, 6x points on select business and travel and 3x points on all other purchases
15.74% to 24.74% variable
$95
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the card within the first 3 months of card membership. Rates & fees
Marriott Bonvoy Business™ American Express® Card
6x points at Marriott Bonvoy, 4x points at US restaurants, US gas stations and on US wireless telephone and shipping services, 2x points on all other purchases
15.74% to 24.74% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
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Overview of American Express hotel credit cards

Amex hotel cards come with various annual fees and perks. Compare them closely to find one that fits exactly what you’re looking for. Look at which loyalty program the card serves, the annual fee, signup bonus, reward points earned per dollar spent, reward redemption value and whether the card assists in elite status.

See below to learn more about the hotel cards Amex offers.

Hilton Honors American Express Card

Hilton Honors American Express Card
Apply now
The no-annual-fee Hilton Honors American Express Card doesn’t have many perks, but you can earn good rewards for everyday purchases. The card may be a great choice if you want to save your points for an occasional stay at a Hilton property.
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Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card
Apply now
There are three cards in Amex’s Hilton collection, and the mid-tier option brings the most bang for your buck. It costs $95 a year, but you’ll earn strong rewards on Hilton stays and eligible dining, groceries and gas.

Gold status in the Hilton Honors program sweetens the deal. It includes valuable perks like complimentary breakfast and room upgrades, and you won’t have to pay an arm and a leg to earn it.

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Hilton Honors™ Aspire Card

Please note: All information about Hilton Honors™ Aspire Card has been collected independently by Finder and this card is no longer available through this site.
Hilton Honors™ Aspire Card

The Hilton Honors™ Aspire Card is the top-tier option among American Express’s Hilton Honors™ cards.

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Marriott Bonvoy Brilliant™ American Express® Card

Please note: All information about Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by Finder and this card is no longer available through this site.
Marriott Bonvoy Brilliant™ American Express® Card

The Marriott Bonvoy Brilliant™ American Express® Card is simply a stellar product. Though it has a steep annual fee, it’s loaded with top-notch features.

The annual statement credit offsets a large portion of its yearly fee, and the card’s other flagship perks are worth a lot. One of its best features is the 3x-point tier, which will help you earn points faster on eligible flights and dining.

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How to compare American Express hotel credit cards

American Express offers more than one card for its partner hotel chains, and it might be difficult to make the right pick. Here are a few factors to consider while comparing products.

  • Annual fee. Amex sticks to standard annual fees: $0, $95 and $450. Figuring out what you’re willing to pay can be a great starting point.
  • Rewards. Think about your annual spending and see if it fits with a card’s bonus categories.
  • Welcome offer. A healthy haul of bonus points can tip the scales if you’re facing a close decision. The welcome offers from all of Amex’s hotel cards are enough to earn you a free night at eligible properties
  • Hotel loyalty program status. All of Amex’s hotel cards come with complimentary status upgrades in their respective loyalty programs. Check out the differences between Silver and Gold status in the Hilton Honors and Marriott Bonvoy programs and see which perks you want.
  • Airport lounge access. Consider whether you want airport lounge access. You might not mind forgoing it if you rarely travel. When choosing between the mid-tier and premium cards, consider whether you’re OK with limited lounge access.

Guide to Hilton Honors rewards program

Bottom line

Amex’s hotel cards are similar in many ways. However, closely looking at key differences between them can help you make your final decision. Go through the list of comparison factors we’ve discussed, and you’ll be well on your way to picking the winner.

You may also want to learn about the American Express Hotel Collection, which offers perks for cardholders of certain premium Amex travel cards. Or, if you’re not convinced an American Express card is right for you, consider other travel cards.
Compare Hilton credit cards

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