There are a number of cobranded bank cards from Hilton Honors, and we regularly hear folks ask which one is greatest for his or her scenario
After evaluating the obtainable Hilton bank cards, chances are you’ll be prepared to tug out certainly one of these playing cards to pay to your subsequent keep at a Hilton resort.
Let’s check out some well-liked playing cards you may use to pay to your subsequent keep at motels within the Hilton Honors program and what these playing cards can give you by way of return on spending and perks throughout your keep.
Evaluating bank cards for a Hilton resort keep
Other than utilizing a Hilton cobranded bank card, you may also think about using an excellent journey rewards card that earns transferable factors on journey purchases, akin to a resort keep. Let’s take a look at some widespread choices and what you can get when utilizing these playing cards.
| Card identify | Incomes price at Hilton motels | Worth of the rewards earned* | Hilton-related advantages from the cardboard** | Annual charge |
|---|---|---|---|---|
| Hilton Honors American Specific Aspire Card | 34 factors per greenback (14 factors from the cardboard plus 10 base factors as a Hilton member plus 100% Diamond standing bonus) | 20.4 cents |
|
$550 (see charges and charges) |
| Hilton Honors American Specific Surpass® Card | 30 factors per greenback (12 factors from the cardboard plus 10 base factors as a Hilton member plus 80% Gold standing bonus) | 18 cents |
|
$150 (see charges and charges) |
| The Hilton Honors American Specific Enterprise Card | 30 factors per greenback (12 factors from the cardboard plus 10 base factors as a Hilton member plus 80% Gold standing bonus) | 18 cents |
|
$195 (see charges and charges) |
| Hilton Honors American Specific Card | 19 factors per greenback (7 factors from the cardboard plus 10 base factors as a Hilton member plus 20% Silver standing bonus) | 11.4 cents |
|
$0 (see charges and charges) |
| Chase Sapphire Reserve® | 3 factors per greenback (or 10 factors per greenback if booked by way of Chase Journey℠) | 6.1 cents (or 20 cents) | None | $550 |
| American Specific® Inexperienced Card | 3 factors per greenback | 6 cents | None | $150 |
| Citi Strata Premier℠ Card (see charges and charges) | 3 factors per greenback (or 10 factors per greenback if booked by way of CitiTravel.com) | 5.4 cents | None | $95 |
* Worth of rewards is predicated on TPG’s March 2025 valuation and never the cardboard issuer.
** Enrollment is required prematurely for choose advantages. Phrases apply.
The knowledge for the Hilton Aspire and American Specific Inexperienced playing cards 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 do you have to use?
When selecting a bank card to your subsequent keep at a Hilton property, think about two components: the advantages you get pleasure from throughout your keep and the factors you earn on the cardboard when paying to your keep.
The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you utilize a particular card to your keep. For instance, you do not truly must pay with the Amex Hilton Aspire card to get pleasure from your Diamond standing advantages throughout your subsequent Hilton keep.
(The one exception is reserving a paid keep at a Hilton resort utilizing the Sapphire Reserve by Chase Journey℠ or Citi Strata Premier by the Citi journey portal. This can typically depend as a third-party reserving, so whilst you’ll earn 10 factors per greenback spent on the acquisition, you will possible forgo any perks of Hilton elite standing.)
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In the case of incomes factors from spending cash at motels that take part in Hilton Honors, utilizing your Hilton bank card is definitely an excellent choice. These present a greater price of return than utilizing a Marriott bank card at a Marriott resort, and with assertion credit on a number of Hilton cobranded playing cards, the price of your stays may be lowered.
Nevertheless, the worth available right here is subjective in some methods: Do you favor to earn the utmost worth in keeping with our month-to-month factors valuations? Are you OK with that even when it means incomes factors which are caught in a single program and might solely be used with Hilton (or transferred to airways in such a approach that you just lose loads of worth)?
Or do you favor to earn transferable factors as a result of you know the way to maximise these for first- and business-class flight awards, acquiring outsize worth to your factors? On this case, utilizing a card that earns American Specific Membership Rewards factors could also be your greatest wager since you can entry the full vary of switch companions and nonetheless have the choice to switch to Hilton Honors in the event you’re just a few factors shy of your subsequent redemption.
Suppose you may have each the Aspire and the Sapphire Reserve. That signifies that you’d earn 20 Hilton factors per greenback spent because of your Diamond standing, which you will earn no matter which card you utilize. Then, you may select to make use of your Aspire to earn 14 Hilton factors per greenback spent (an 8.4% return in keeping with our March 2024 valuations) or 3 Chase factors per greenback spent together with your Sapphire Most well-liked (a 6.2% return).
What’s essential on this scenario is which sort of factors you wish to earn. Are you prepared to forgo a 2.2% return to earn Chase factors as a substitute of Hilton factors?
Associated: Maximize your rewards: Your factors and miles guidelines
Backside line
Deciding which bank card to make use of on any given buy can typically require tradeoffs. Possibly you earn extra factors however sacrifice some advantages. Or maybe you are prepared to earn fewer factors however entry a invaluable insurance coverage profit by utilizing a selected card.
Fortunately, the selection of which bank card to make use of when staying at a Hilton resort is fairly easy. With excessive incomes charges on Hilton bank cards, you need to be capable to earn a excessive worth in rewards whereas additionally having fun with their advantages — with out the tradeoffs required by making this resolution at another resort chains.
Associated: Present welcome bonuses on Hilton Amex playing cards
For charges and charges of the Amex Hilton Aspire card, click on right here.
For charges and charges of the Amex Hilton Surpass card, click on right here.
For charges and charges of the Amex Hilton card, click on right here.
For charges and charges of the Amex Hilton Enterprise card, click on right here.
For charges and charges of the Amex Inexperienced card, click on right here.
