Hilton Honors American Express® Card
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Pros & Cons
Pros
- Welcome Bonus: Up to 70,000 points
- Up to 6x at Hilton hotels
- Purchase protection included
Cons
- High annual fee ($150/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The Hilton Honors American Express® Card is a Consumer Credit Card in Canada with a $150 annual fee.
The welcome offer includes 60,000 Hilton HonorsTM Points and a Free Night Reward after spending $3,000 in the first 3 months. Plus, earn 10,000 Points after spending $500 in month 13, for a potential total of 70,000 Points and a Free Night Reward. Offer ends January 11, 2027.
- Earn 6 Points for every $1 in eligible Card purchases at participating Hilton brands, plus the Points you already earn as a Hilton Honors Member
- Earn 4 Points for every $1 in eligible Card purchases at gas stations, grocery stores, and restaurants in Canada
- Earn 2 Points for every $1 in all other Card purchases
- Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
- Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
- No annual fee on Additional Cards
Purchase protection
Purchase Protection Plan: covers eligible purchases against theft and direct physical damage for 90 days after purchase, up to CAD $1,000 per cardmember per occurrence for all items combined. At least part of the purchase price must be charged to the card. Reimbursement is limited to the lesser of the repair cost or the portion paid with the card. Coverage is supplementary to other insurance and is subject to the certificate’s conditions and exclusions.
Extended warranty
Buyer’s Assurance Protection Plan: doubles the original manufacturer’s warranty for up to 1 additional year on eligible warranties of 5 years or less valid in Canada or the United States. The entire purchase price must be charged to the card. Coverage follows the original warranty’s terms, up to CAD $10,000 per item and CAD $25,000 per cardmember per policy year for all claims combined. Coverage is supplementary to other insurance and is subject to the certificate’s conditions and exclusions.
Read the official insurance certificate for the full terms, conditions, and exclusions.
Rewards
All Spending
2x
Hilton Honors pts per dollar
Hilton hotels
6x
Hilton Honors pts per dollar
Gas
4x
Hilton Honors pts per dollar
Groceries
4x
Hilton Honors pts per dollar
Restaurants
4x
Hilton Honors pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
88,800
Hilton Honors/yr
Estimated Value
$444
After Fees
+$294
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$594
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Hilton Honors after $500 in purchases in month 13 (year 2)
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
Additional Benefits
- Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
- Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
- No annual fee on Additional Cards
Travel Insurance
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Hotel Burglary
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
Auto Rental (primary)
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$150
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Cash advance rate21.99%
Terms & Conditions
Card Features
- Earn up to 70,000 Hilton HonorsTM Points and a Free Night Reward
- New Hilton Honors American Express® Cardmembers, can earn 60,000 Points and a Free Night Reward after spending $3,000 on your Card in the first 3 months
- Plus, earn an additional 10,000 Points after you spend $500 on your Card in month 13
- Offer ends January 11, 2027
- Apply with confidence! See if you’ll be approved before you apply – with no impact to your credit score*
- *Instant decisions are only available for Consumer (also known as Personal) Card applications
- Earn 6 Points for every $1 in eligible Card purchases at participating Hilton brands, plus the Points you already earn as a Hilton Honors Member
- Earn 4 Points for every $1 in eligible Card purchases at gas stations, grocery stores, and restaurants in Canada
- Earn 2 Points for every $1 in all other Card purchases
- Enjoy complimentary Hilton Honors Gold status, then get upgraded to Diamond status after you charge $40,000 in net purchases to your Card each year
- Get to your next stay faster with an annual 50,000 Points bonus. Spend $12,000 in a calendar year to unlock the 50,000 Hilton Honors Points bonus
- No annual fee on Additional Cards
Legal
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. RedFlagDeals may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.
