What bank does Hilton credit card use?

If you prefer earning Hilton points for your credit card spending but don't want to pay an annual fee, you could open the Hilton Honors American Express Card. It has no annual fee (see rates and fees) and earns: 7X points at Hilton hotels. 5X points on dining at U.S. restaurants.



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American Express offers three Hilton-branded personal cards: Hilton Honors American Express Card ($0 annual fee). Hilton Honors American Express Surpass® Card ($150 annual fee). Hilton Honors American Express Aspire Card ($550 annual fee).

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The Hilton Honors American Express Card comes with few ongoing benefits, but does include a generous welcome offer: Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.

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You'll need to have good to excellent credit (a FICO score of 670 to 850) to qualify for the Hilton Honors American Express Aspire card. Those who are interested can see if they pre-qualify for the card on American Express's website.

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The Hilton Honors American Express Card is hard to get because it requires good credit for approval, which means you need a credit score of 700+ to have good odds of being approved.

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You'll want good credit -- a FICO® Score of at least 670 -- to have a decent chance at being approved for the Hilton Honors American Express Card. Ideally, your credit score should be above 700 for the best odds.

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Hilton Honors American Express Surpass® Card: Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card within your first three months of card membership. Per TPG's latest valuations, the 130,000 Hilton points are worth $780 in value toward award stays.

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To earn Hilton Diamond status, you'd normally need to book 42 nights or 21 stays, or earn 84,000 bonus points. With the Hilton Honors Aspire Card from American Express, however, you'll automatically earn Diamond status — the highest loyalty tier of the Hilton Honors program — once you've enrolled.

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To qualify, you must complete 30 stays, stay 60 nights or earn 120,000 base points in a calendar year. However, primary cardholders of the Hilton Honors American Express Aspire Card (see rates and fees) enjoy complimentary Diamond status as a perk of their card.

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Additional ways to redeem Hilton points is by shopping, traveling, and dining with Hilton partners. Once you redeem enough Hilton Honors points, you can use them for free nights at Hilton hotels, free car rentals, or you can sell Hilton points for cash to MileageSpot and earn cash in return.

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Once you have reached a certain elite tier, you may keep your status for the calendar year in which the elite tier was earned and the subsequent calendar year. To make it easier to keep your elite tier status, reward stays count toward elite tier qualification.

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As a Hilton Honors member, you'll receive exclusive perks when you stay at our more than 7,000 hotels around the world — including amazing resorts, luxury and boutique hotels. Best of all, it's free to join! Earn Points on your stays and turn them into free nights, travel with our exclusive partners, and so much more.

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