In case you’re a Hilton loyalist on the lookout for one of the best card to make use of in your subsequent keep, you’ve gotten loads of choices.
Cobranded American Categorical playing cards are a implausible place to start out. 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 wish to earn a transferable rewards forex or leverage one other loyalty program. Fortunately for you, we have collected a listing of seven bank cards price contemplating on your subsequent Hilton keep.
Evaluating bank cards for Hilton
| Card title | Welcome supply | Incomes fee at Hilton lodges | Rewards worth per level on Hilton bookings* | Card advantages when staying with Hilton** | Annual payment |
|---|---|---|---|---|---|
|
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 inside the first three months from account opening. |
4 factors per greenback booked immediately (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 (except you ebook a Hilton keep by way of The Edit portfolio, which supplies premium advantages corresponding to complimentary breakfast and a $100 property credit score)
|
$795 |
|
|
Earn 40,000 bonus factors after spending $3,000 inside 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 is predicated on TPG’s November 2025 valuations and never the cardboard issuer
** Enrollment is required for choose advantages
The data 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 offered by the cardboard issuer.
Which card do you have to use?
Now that you have been launched to the playing cards we suggest for Hilton bookings, it is time to break down the elements you need to weigh.
The 2 major 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 elements down additional.
Advantages
Here is a key consideration: When you’ve got 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 example, you do not have to pay with the Hilton Aspire to get pleasure from Diamond standing advantages. Your standing is connected to your Hilton profile whatever the fee technique once you ebook immediately with Hilton.
Two notable exceptions are in case you select to ebook by way of an issuer’s journey portal, corresponding to utilizing the Sapphire Reserve by way of Chase Journey or the Strata Premier by way of the Citi Journey portal. These usually 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 probably the most factors on your Hilton stays. That mentioned, this doesn’t suggest you are getting probably 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 once you examine this forex to the potential worth of transferable rewards factors.
Transferable rewards are extra versatile and maintain greater potential worth consequently. Chase Final Rewards factors that you simply’d earn with the Sapphire Reserve, for example, 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.
After all, in case you’d slightly preserve it easy and earn as many Hilton factors as doable, the sky-high incomes charges on cobranded playing cards are the way in which to go.
Nonetheless, you must take into account which forex you’d wish to earn and what number of factors you may earn. Assume by way of your upcoming journeys and which factors are probably the most helpful for reserving them. You would possibly pay with a Hilton card in case 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 ebook a business-class flight.
Different concerns
There are different elements to contemplate once you’re selecting a card on your subsequent Hilton reserving.
In case you’re working towards a welcome bonus on a selected card, you may wish to put most of your bills on that card to keep away from lacking out on the supply.
We additionally suggest checking your Amex Gives and Chase Gives to see you probably have any related reductions or offers on Hilton stays. You may have to 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 monitor of which card presents a Hilton low cost so you may maximize the complete worth of your card’s advantages. Some Hilton playing cards additionally supply annual spending bonuses that offer you the next elite standing tier or extra free evening certificates.
Associated: Maximize your rewards: Your factors and miles guidelines
Backside line
Any resolution comes with professionals and cons. In case you’re a Hilton loyalist, choosing up a cobranded card and paying with it’s usually the way in which to go.
Nonetheless, in case you worth transferable rewards and wish 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.
