One of the most trusted credit cards used by card members and those who often travel or involve themselves in the Hilton hotel group is the Hilton Honors American Express Card. Besides, this card has many virtues and opportunities for earning bonuses that focus on the main clients of Hilton hotels and allowing to spend more. 

Another good benefit which sets the Hilton Honors American Express Card out as one of the best is the speed at which one can be earning the points regardless of the spending category. No matter you are for a hotel, a meal, or groceries, this card will help you gather the point as per needs.

Key information about the credit card

How does the annual fee work?

Hilton Honors American Express Card is a good credit card mainly because it has no annual fee that is charged to its users. This makes it ideal for people who wish to use a rewards credit card, but do not wish to be charged extra fees. The fact that no annual fee implies that you are able to conclude the maximum of the given rewards and other types of remunerations with no need in paying for annual balances.

How is the credit limit determined?

Depending on the credit history, established income, and other aspects, the credit limit of the cards like Hilton Honors American Express Card will be set. In the process of application, you fill in some questionnaire and American Express pulls your credit report and other performance details to determine your line of credit.

Advantages of the credit card

• Earn 70,000 Hilton Honors bonus points + a free night reward: After using the card in making a purchase of $2000 in the first six months of acquiring the card.
• 7X points on hotels & resorts: Including Hilton Portfolio, for those purchases that are charged directly with the hotels and resorts.
• 5X points on dining: On dining at U. S restaurants, inclusive of take out and delivery, members acquire points.
• 5X points on groceries: Build up points for purchases, made at U. S. supermarkets.

Standout advantage

The Hilton Honors American Express Card also has a powerful sign-up bonus, plus the chance to earn 7X points on charges made directly at the hotel. This means cardholders can rack up the points very fast, and earn free nights and other benefits easily.

Disadvantages

• Variable APR: Variable with a low interest rate of 20% up to a maximum of. 99% to 29. averagely it’s 99%, which can be high as compared to other cards.
• Limited reward redemption: Hilton Honors points are chiefly useful to redeem for Hilton stays, so it is not very flexible for the rest of the point redemptions.
• Foreign currency exchange rate: However, just like most of the credit cards, no foreign transaction fees apply, but one should sometimes expect unfavorable exchange rate.

A standout disadvantage

The major weakness of the Hilton Honors American Express Card is the information that the variable APR can range from 20. 99% to 29. 99%. This is particularly the case because for those who do not clear their balance at the end of the month, the interest charges can easily offset the earnings derived from the reward points, and therefore result in an expensive option if not properly managed.

Who can apply for this card?

Hilton Honors American Express Card is one that is issued based on some conditions being fulfilled by an individual. It also requires the applicant to be above the age of 18, possess a social security number/Individual Taxpayer Identification Number, and be a permanent resident in the United States of America.

Credit scores that are usually considered good to excellent are often used since they imply the good usage of credit. Also, applicants must be having a regular and verifiable income since they must have the capacity to make the credit repayments and regrettably, minimum income was not declared by American Express. 

How to apply for the Hilton Honors American Express Card

For the website

To apply for the Hilton Honors American Express Card through the website, one has to go to the official American Express website and then select the Hilton Honors Card. Every vacancy is advertised with a big “Apply Now” button when clicked will begin the application process. One will be required to fill in their personal details including name, physical address, social security number and income data.

The website will just show you each step and you will be asked to fill in all the information that is required from you. After the submission of the application, American Express considers the application and they usually take minutes to approve or disapprove the application. If the order is approved, you would be provided with a new card within 7-10 business days through a mail.

Through the app

Applying through the AMEX mobile app is another possible way to do the application using the mobile phone. Initially, open app store or play store and install the application and for this the person does not need an account but if he or she does not have an account then he or she needs to create one. Go to your credit card option and choose the Hilton Honors American Express card.

The interface of the application is quite the same as the website that asks you to fill in your personal and financial data. On the app, it is very convenient to observe your application status and get a notification when your approval is ready. After your digital card is approved you can be able to use it through the app although the physical card maybe in transit.

At the branch

If you wish to apply face-to-face, you can go to the nearest American Express office or come to one of the Hilton hotels. At the branch, one will help one complete and submit the application and quite often the representative would input the details on the behalf of the applicant. Identification documents will also be required, together with proof of income to finalize the application.

This method enables the user to type a question and be immediately attended and since many people appreciate face to face communication, it is useful to them. Once submitted, the approval process goes hand in hand with the online applications one, and the card is sent to your address as soon as the approval is given.