If you are looking to unlock unforgettable stays at some of the most iconic hotels in the world, Hilton Honors credit cards offer a powerful way to turn everyday spending into luxurious getaways. With a global portfolio of over 7,000 properties across brands like Waldorf Astoria, Conrad, and Hilton, the Hilton Honors program makes earning and redeeming points easy — and credit cards designed for Hilton enthusiasts can supercharge your rewards even faster.

Whether you are a frequent Hilton guest or someone curious about leveling up your hotel game, there is a Hilton Honors card tailored to your travel style. From the user-friendly Hilton Honors American Express Card with no annual fee to the elite-level Hilton Honors American Express Aspire Card packed with VIP perks, these cards deliver value through generous points, free nights, complimentary elite status, and more.

Ready to turn your travel dreams into reality?

Let’s explore the best Hilton Honors credit cards and discover which one fits your travel goals.

Before You Apply: Know Your Credit Score

If you are new to travel rewards and credit in general, it is a good idea to check your credit score before applying for a credit or charge card. That way, you will be able to apply for travel rewards cards which align with both your credit score and your travel goals.

Credit Scores are shown numerically and range from 300 (Poor) to 850 (Excellent / Perfect). While there are a number of credit agencies (Equifax, Experian, and TransUnion) and credit scores (FICO and VantageScore), generally, scores above 750 are considered excellent*. While some agencies charge for a credit report, there are a number of “free” options as well:

• Personal Bank
• Credit Karma
• Annual Credit Report

Related: Credit Scores 101: Everything You Need to Know

The Best Credit Cards For Hilton Honors – Personal

Here is a quick overview of the best personal travel rewards cards earning Hilton Honors points, which includes a summary of card details, reward rates, benefits, and more.

The Hilton Honors American Express Aspire Card is a premium hotel credit card loaded with top-tier benefits. A true favorite among Hilton Honors loyalists. The card comes with Hilton Honors Diamond status, an annual Free Night Reward, $400 in Hilton resort credits, $200 in airline credits, and a solid earning rate at properties participating in the Hilton Honors program. In addition, card members receive cell phone protection, trip delay reimbursement, and trip cancelation and interruption insurance. Despite the high annual fee, the benefits easily outweigh the costs.

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card stands out in the crowded “mid-tier” category of co-branded hotel credit cards due the elite benefits, which more than justify the $150 annual fee. The card provides a solid earning rate at Hilton properties, automatic Hilton Honors Gold status (which includes complimentary breakfast, increased earning rates at Hilton properties, and space available upgrades), and rental car elite status. In addition, cardholders earn up to $200 back annually on eligible Hilton purchases (up to $50 in statement credits each quarter).

Credit Card Details

• Intro Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of card membership
• Annual Fee: $150
• APR: 20.24%-29.24% Variable
• Recommended Credit: 670-850 (Good / Excellent)*
• See Rates And Fees

Reward Rates

• 12x Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
• 6x Hilton Honors Bonus Points for each dollar of purchases on your card at U.S. Restaurants
• 6x Hilton Honors Bonus Points for each dollar of purchases on your card at U.S. Super Markets
• 6x Hilton Honors Bonus Points for each dollar of purchases on your card at U.S. Gas Stations
• 4x Hilton Honors Bonus Points for each dollar on U.S. Online Retail purchases
• 3x Hilton Honors Bonus Points for each dollar on All Other purchases

Other Benefits

• Automatic Hilton Honors™ Gold status as long as you remain a Surpass cardmember
• Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors American Express Surpass® Card
• Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year
• Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required (Terms Apply)

The Hilton Honors American Express Card is the entry level co-branded credit card from Hilton. The card provides a solid earning rate at Hilton properties and automatic Silver status, all without charging an annual fee. In addition, card members can rest easy while traveling, as the card offers basic travel and purchase protections. This card is a solid option for new cardmembers loyal to Hilton.

Credit Card Details

• Intro 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
• Annual Fee: $0
• APR: 20.24%-29.24% Variable
• Recommended Credit: 670-850 (Good / Excellent)*
• See Rates And Fees

Reward Rates

• 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
• 5x Hilton Honors Bonus Points for each dollar of purchases on your card at U.S. Restaurants
• 5x Hilton Honors Bonus Points for each dollar of purchases on your card at U.S. Super Markets
• 5x Hilton Honors Bonus Points for each dollar of purchases on your card at U.S. Gas Stations
• 3x Hilton Honors Bonus Points for each dollar on All Other purchases

Other Benefits

• Automatic Hilton Honors™ Silver status as long as you remain a cardmember
• Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Gold Status through the end of the next calendar year

The Best Credit Cards For Hilton Honors – Business

Here is a quick overview of the best business travel rewards cards earning Hilton Honors points, which includes a summary of card details, reward rates, benefits, and more.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is a powerful tool for business owners looking to maximize travel rewards. It earns high points on Hilton stays, business-related expenses, and everyday purchases. Cardholders enjoy valuable perks such as complimentary Hilton Honors Gold status, annual statement credits for Hilton purchases, and the ability to earn the coveted Hilton Diamond status with qualifying spending. With a range of travel benefits and a competitive rewards structure, this card makes it easy to turn business expenses into memorable travel experiences

Credit Card Details

• Intro Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of card membership
• Annual Fee: $195
• APR: 20.24% – 29.24% Variable
• Recommended Credit: 670-850 (Good / Excellent)*
• See Rates & Fees

Reward Rates

• 12x Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton portfolio
• 5x Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year
• 3x Hilton Honors Bonus Points for each dollar on All Other purchases

Other Benefits

• Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card
• You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more
• As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account

Hilton Honors co-branded credit cards offer a range of options designed for every traveler, from occasional vacationers to luxury-seeking globetrotters. Whether you prefer the no-annual-fee Hilton Honors American Express Card, the well-rounded Hilton Honors American Express Surpass® Card, the premium Hilton Honors American Express Aspire Card, or the business-focused Hilton Honors American Express Business Card, there is a card tailored to your travel style.

Each card delivers unique benefits — from earning points faster on everyday spending to enjoying valuable perks like complimentary elite status, free weekend nights, and statement credits. These features can elevate your travel experience while helping you unlock free stays and memorable getaways more quickly.

Ready to maximize your hotel rewards and create unforgettable travel experiences?

Now is the perfect time to choose the Hilton Honors card that fits your travel goals.