Should you’re a Hilton loyalist searching for the most effective card to make use of in your subsequent keep, you might have loads of choices.
Cobranded American Categorical playing cards are a improbable place to begin. These playing cards supply excessive incomes charges on Hilton bookings and complimentary elite standing to make use of throughout your journey.
However chances are you’ll need to earn a transferable rewards foreign money or leverage one other loyalty program. Fortunately for you, we have collected an inventory of seven bank cards price contemplating on your subsequent Hilton keep.
Evaluating bank cards for Hilton
| Card identify | Welcome supply | Incomes price at Hilton resorts | Rewards worth per level on Hilton bookings* | Card advantages when staying with Hilton** | Annual charge |
|---|---|---|---|---|---|
|
Earn 175,000 bonus factors after spending $6,000 on purchases within the first six months of card membership. Supply ends Jan. 14, 2026.
|
34 factors per greenback (14 factors from the cardboard, plus 10 base factors as a Hilton member and a 100% Diamond standing bonus) |
17 cents |
|
||
|
Earn 155,000 bonus factors after spending $3,000 on purchases within the first six months of card membership. Supply ends Jan. 14, 2026.
|
30 factors per greenback (12 factors from the cardboard, plus 10 base factors as a Hilton member and an 80% Gold standing bonus) |
15 cents |
|
||
|
Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14, 2026.
|
30 factors per greenback (12 factors from the cardboard, plus 10 base factors as a Hilton member and an 80% Gold standing bonus) |
15 cents |
|
||
|
Earn 100,000 bonus factors after spending $2,000 on purchases within the first six months of card membership. Supply ends Jan. 14, 2026.
|
19 factors per greenback (7 factors from the cardboard, plus 10 base factors as a Hilton member and a 20% Silver standing bonus) |
9.5 cents |
|
||
|
Earn 125,000 bonus factors after spending $6,000 throughout the first three months from account opening. |
4 factors per greenback booked instantly (or 8 factors per greenback spent if booked by way of Chase Journey℠, together with The Edit)
|
8.2 cents (or 16.4 cents) |
None (until you e book a Hilton keep by way of The Edit portfolio, which offers premium advantages similar to complimentary breakfast and a $100 property credit score)
|
$795 |
|
|
Earn 40,000 bonus factors after spending $3,000 throughout the first six months of card membership. |
3 factors per greenback |
6 cents |
None |
$150 |
|
|
Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. |
3 factors per greenback (or 10 factors per greenback if booked through cititravel.com) |
5.7 cents (or 19 cents) |
None |
$95 |
* Worth of rewards relies on TPG’s November 2025 valuations and never the cardboard issuer
** Enrollment is required for choose advantages
The knowledge for the American Categorical Inexperienced Card 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?
Now that you’ve got been launched to the playing cards we advocate for Hilton bookings, it is time to break down the components you must weigh.
The 2 main concerns right here:
- Hilton-related advantages to get pleasure from throughout your keep
- What number of factors you may earn in your reserving
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Let’s break these two features down additional.
Advantages
This is a key consideration: When you have a Hilton cobranded Amex card, you may get pleasure from elite standing advantages no matter whether or not or not you pay with that particular card.
As an illustration, you do not have to pay with the Hilton Aspire to get pleasure from Diamond standing advantages. Your standing is hooked up to your Hilton profile whatever the fee methodology if you e book instantly with Hilton.
Two notable exceptions are when you select to e book by way of an issuer’s journey portal, similar to utilizing the Sapphire Reserve by way of Chase Journey or the Strata Premier by way of the Citi Journey portal. These typically depend as third-party bookings — not direct bookings — and you will not obtain your elite standing perks.
Incomes charges
At first look, it is apparent that the cobranded Amex playing cards earn essentially the most factors on your Hilton stays. That stated, this doesn’t suggest you are getting essentially the most worth.
TPG’s November 2025 valuations deem Hilton Honors factors to be price 0.5 cents apiece, which is comparatively low. That is very true if you evaluate this foreign money to the potential worth of transferable rewards factors.
Transferable rewards are extra versatile and maintain greater potential worth in consequence. Chase Final Rewards factors that you just’d earn with the Sapphire Reserve, as an illustration, are price 2.05 cents per level, per TPG’s November 2025 valuations. TPG’s November 2025 valuations additionally estimate that American Categorical Membership Rewards factors are price 2 cents every, which is what you’d earn for paying with the Amex Inexperienced.
In fact, when you’d slightly preserve it easy and earn as many Hilton factors as attainable, the sky-high incomes charges on cobranded playing cards are the way in which to go.
Nonetheless, it’s a must to take into account which foreign money you’d prefer to earn and what number of factors you may earn. Assume by way of your upcoming journeys and which factors are essentially the most helpful for reserving them. You would possibly pay with a Hilton card when you’re planning a keep at a Hilton property. In the meantime, you are higher off paying with a card that earns Chase Final Rewards factors if you wish to e book a business-class flight.
Different concerns
There are different components to contemplate if you’re selecting a card on your subsequent Hilton reserving.
Should you’re working towards a welcome bonus on a specific card, you may need to put most of your bills on that card to keep away from lacking out on the supply.
We additionally advocate checking your Amex Provides and Chase Provides to see you probably have any related reductions or offers on Hilton stays. You may must enroll in your focused supply and use the related card if that is the choice you select.
Lastly, remember to make use of your Hilton assertion credit on some cobranded Amex playing cards. Since many of those perks are earned quarterly or biannually, preserve observe of which card presents a Hilton low cost so you possibly can maximize the complete worth of your card’s advantages. Some Hilton playing cards additionally supply annual spending bonuses that provide you with the next elite standing tier or further free night time certificates.
Associated: Maximize your rewards: Your factors and miles guidelines
Backside line
Any choice comes with professionals and cons. Should you’re a Hilton loyalist, selecting up a cobranded card and paying with it’s typically the way in which to go.
Nevertheless, when you worth transferable rewards and need to add to your stability, there are versatile choices on the market with a few of our favourite journey rewards playing cards.
So long as you are utilizing your card advantages and incomes rewards that you will redeem, you are popping out forward.
Associated: Present welcome bonuses on Hilton Amex playing cards
For charges and costs of the Hilton Aspire Amex, click on right here.
For charges and costs of the Hilton Surpass Amex, click on right here.
For charges and costs of the Hilton Enterprise Amex, click on right here.
For charges and costs of the Hilton Amex, click on right here.
