Hilton Honors American Express Card Review

Pros of the Hilton Honors American Express Card

Sign-up bonus

Earn up to 70,000 Hilton Honors Points and a Free Night Reward. New Hilton Honors American Express cardmembers can earn 60,000 Points and a Free Night Reward when you spend $3,000 on your card in your first 3 months. Plus, earn 10,000 points when you spend $500 on your card in your 13th month of cardmembership. Offer ends January 11, 2027.

Additionally, you'll enjoy complimentary Hilton Honors Gold status, and get upgraded to Diamond status after you charge $40,000 in net purchases to your card each year.

Must read: Earn money with these credit card bonuses

Earn up to 6 points per $1 spent

You get 6 points for every $1 you spend on eligible purchases at participating Hilton brands, plus the points you already earn as a Hilton Honors Member.

2 – 4 points on other purchases

You also earn 4 points per dollar spent on gas, groceries and restaurant dining, plus points per $1 spent on everything else.

Additional annual bonus

If you spend at least $12,000 per calendar year on your card, you get an annual bonus of 50,000 points.

Hilton Honors Gold status

Cardholders are granted complimentary Hilton Honors Gold status, which includes perks like 80% bonus points on stays, room upgrades, and a daily food and beverage credit or continental breakfast.

Upgrade to Diamond status

If you charge $40,000 in net purchases to your card each year, you’ll be upgraded to Hilton Honors Diamond status. This adds perks like extra bonus points on stays, executive lounge access and premium wi-fi.

Additional card fee is $0

Save money since the annual fee for additional cards is $0.

Instant decision

You can get an instant decision online about whether you qualify for this card without affecting your credit score.

Cons

$150 annual fee

This card costs $150 per year, so you’ll need to make sure you can get enough value out of the card each year to justify its cost. If you prefer not to pay annual fees, explore your options.

Foreign transaction fee

A 2.5% currency conversion fee applies when you make a purchase in a foreign currency. Want to avoid this? Compare cards with no FX fees.

Good to excellent credit required

A minimum 700 credit score is recommended to qualify for this card. Have low credit? Check out credit cards for bad credit.

No ongoing Free Night Reward

While a Free Night Reward is included in the sign-up bonus, this card doesn’t offer a free night each year.

Amex acceptance

Though generally accepted across Canada, American Express cards don’t have the same widespread acceptance as Visa and Mastercard credit cards.

How does it compare with other hotel credit cards in Canada?

The Marriott Bonvoy American Express Card is the other main co-branded hotel credit card in Canada. You can also access a range of hotel and travel benefits with the American Express Platinum Card, so we’ve included both cards in the table below to see how they stack up against the Hilton Honors Amex.

	Hilton Honors American Express Card	Marriott Bonvoy American Express Card	The Platinum Card from American Express
Annual fee	$150	$120	$799
Purchase interest rate	21.99%	21.99%	N/A
Welcome offer	Earn up to 70,000 Hilton Honors Points and a Free Night Reward. New Hilton Honors American Express cardmembers can earn 60,000 Points and a Free Night Reward when you spend $3,000 on your card in your first 3 months. Plus, earn 10,000 points when you spend $500 on your card in your 13th month of cardmembership. Offer ends January 11, 2027. Additionally, you'll enjoy complimentary Hilton Honors Gold status, and get upgraded to Diamond status after you charge $40,000 in net purchases to your card each year.	New cardmembers can earn up to 70,000 bonus Marriott Bonvoy points. Earn 60,000 bonus Marriott Bonvoy Points after you spend $3,000 on your card in your first 3 months of cardmembership. Plus, earn 10,000 points after you spend $500 on your card in your 13th month of cardmembership.	Earn up to 100,000 Membership Rewards points—that’s up to $1,000 towards a weekend away. Earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your card in your first 3 months of cardmembership. Plus, earn 30,000 points when you make a purchase between 15 and 17 months of cardmembership. T&Cs apply.
Points earn rate	6 points per $1 spent on purchases at participating Hilton brands 4 points per $1 spent on groceries, gas and restaurants 2 points per $1 spent on everything else	5 points per $1 spent on purchases at participating Marriott Bonvoy hotels 2 points per $1 spent on everything else	2 points per $1 spent on dining, food delivery and travel 1 point per $1 spent on everything else
Perks	Complimentary Hilton Honors Gold status If you spend at least $12,000 per calendar year on your card, you get an annual bonus of 50,000 points.	One Free Night Award each year Complimentary Marriott Bonvoy Silver Elite status 15 Elite Night Credits per calendar year	$200 annual travel credit American Express Global Lounge Collection access $100 NEXUS card statement credit $200 annual dining credit Up to $240 Instacart statement credits
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Hilton Honors American Express Card interest rates

Purchase interest rate	21.99%
Cash advance rate	21.99%
Balance transfer rate	N/A

What are the eligibility requirements?

To qualify for the Hilton Honors American Express Card you need to:

• Be a Canadian resident.
• Be the age of majority in your province or territory.
• Have good to excellent credit (minimum 700 recommended).
• Meet a minimum income requirement.

How to apply

Apply for the Hilton Honors American Express Card online via the American Express website.

You’ll need to provide personal information like your name, date of birth, contact details and Social Insurance number (SIN). You will also need to supply details of your employment status, your personal and household income, and your regular expenses.