Whether you’re a casual traveler or a luxury seeker, Hilton’s co-branded credit cards provide a range of options to suit your needs. With lucrative welcome bonuses, generous earning rates, and exclusive perks, these cards are a smart choice for anyone looking to make the most of their Hilton stays.
There are 3 personal and 1 business Hilton credit card offers to choose from in 2025.
Great for occasional travelers! This card has no annual fee, so it's a good fit for those who travel a few times a year.
Welcome Bonus: Earn 80,000 Hilton Honors Points after you spend $2,000 in the first 6 months from card membership
Bonus Point Earning:
7 points per dollar spent on Hilton hotels and resorts
5 points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
3 points per dollar on all other eligible purchases
Status Perk:Â Complimentary Hilton Silver status
Other Perk: No foreign transaction fees
Annual fee: $0 annual fee (see rates and fees)
The Surpass gives excellent earning rates and benefits, balanced with a moderate annual fee.
Welcome Bonus: Earn 130,000 Hilton Honors points after you spend $3,000 in the first 6 months from card membership
Bonus Point Earning:
12 points per dollar spent on Hilton hotels and resorts
6 points per dollar spent at U.S. restaurants, U.S. supermarkets, and U.S. gas stations
4 points per dollar on U.S. online retail purchases
3 points per dollar on all other eligible purchases
Status Perk: Complimentary Hilton Gold status
Other Perks (enrollment is required):
Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors Amex Surpass (that's up to $200 in statement credits annually)
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year
No foreign transaction fees
Annual fee: $150 annual fee (see rates and fees)
The Aspire gives luxury perks and extensive travel credits, making it ideal for those who prioritize comfort and convenience.
Welcome Bonus: Earn 150,000 Hilton Honors points after you spend $6,000 in the first 6 months from card membership
Bonus Point Earning:
14 points per dollar spent on Hilton hotels and resorts
7 points per dollar on flights booked directly with airlines or Amex Travel, and on car rentals booked directly from select car rental companies
7 points per dollar spent at U.S. restaurants
3 points per dollar on all other eligible purchases
Status Perk: Complimentary Hilton Diamond status
Other Perks (enrollment is required):
Enjoy an annual Free Night Reward in your first year of Card Membership and every year upon Card renewal
Up to a $200 annual flight credit
Up to a $400 annual Hilton resort statement credit
$189 CLEAR® Plus Credit
No foreign transaction fees
Annual Fee: $550 (see rates and fees)
The Business card is designed for business owners who want to maximize their travel rewards while managing expenses.
Welcome Bonus: Earn 130,000 Hilton Honors points after you spend $6,000 in the first 6 months from card membership
Bonus Point Earning:
12 points per dollar spent on Hilton hotels and resorts
5 points per dollar on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
3 points per dollar on all other eligible purchases
Status Perk: Complimentary Hilton Gold status
Other Perks (enrollment is required):
Up to $240 back each year for eligible purchases made directly with Hilton
Complimentary National Car Rental® Emerald Club Executive® status
No foreign transaction fees
Annual Fee: $195 (see rates and fees)
Recap: Choosing Amongst the Hilton Credit Card Offers 2025
With these generous offers and diverse benefits, choosing the right Hilton credit card depends on your travel habits and spending patterns.
Here are a few tips to help you decide:
For Occasional Travelers: The Hilton Honors Amex offers great benefits without an annual fee, perfect for those who travel a few times a year.
For Frequent Travelers: The Hilton Honors Amex Surpass provides excellent earning rates and benefits, such as Gold Status, at a moderate annual fee.
For Luxury Travelers: The Hilton Honors Amex Aspire offers unmatched luxury perks, including Diamond Status and extensive travel credits, making it ideal for those who prioritize comfort and convenience.
For Business Travelers: The Hilton Honors Amex Business is designed for business owners who want to maximize their travel rewards while managing expenses.
*Each Benefit requires enrollment via their website, terms apply to American Express Benefits and offers. visit americanexpress.com to learn more.
Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.