Which bank card do you have to use for Hilton stays?

There are a number of cobranded bank cards from Hilton Honors, and we frequently hear individuals ask which one is finest for his or her scenario

After evaluating the obtainable Hilton bank cards, you might be prepared to tug out one in every of these playing cards to pay on your subsequent keep at a Hilton lodge.

Let’s check out some common playing cards you would possibly use to pay on your subsequent keep at accommodations within the Hilton Honors program and what these playing cards can give you when it comes to return on spending and perks throughout your keep.

Evaluating bank cards for a Hilton lodge keep

Other than utilizing a Hilton cobranded bank card, you may also think about using a superb journey rewards card that earns transferable factors on journey purchases, reminiscent of a lodge keep. Let us take a look at some widespread choices and what you possibly can get when utilizing these playing cards.

Card title	Incomes price at Hilton accommodations	Worth of the rewards earned*	Hilton-related advantages from the cardboard**	Annual payment
Hilton Honors American Categorical 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	Diamond standing: Room upgrades, free breakfast, lounge entry, early check-in and late checkout Resort credit score: As much as $200 biannual resort assertion credit score Free nights: As much as three reward nights yearly (one on cardmember anniversary; two extra with eligible spending) Property credit score: As much as $100 per reserving if you e book a two-night paid keep at choose accommodations utilizing an unique hyperlink for cardmembers	$550 (see charges and costs)
Hilton Honors American Categorical 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	Gold standing: Room upgrades, free breakfast, early check-in and late checkout Pathway to Diamond standing: After spending $40,000 in a calendar 12 months Free night time reward: One after eligible spend in a calendar 12 months Hilton credit score: As much as $50 in quarterly assertion credit on eligible Hilton purchases	$150 (see charges and costs)
The Hilton Honors American Categorical 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	Gold standing: Room upgrades, free breakfast, early check-in and late checkout Pathway to Diamond standing: After spending $40,000 in a calendar 12 months Hilton credit score: As much as $60 in quarterly assertion credit on eligible Hilton purchases	$195 (see charges and costs)
Hilton Honors American Categorical 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	Automated Silver standing: Free bottled water Pathway to Gold standing: After spending $20,000 in a calendar 12 months	$0 (see charges and costs)
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 Categorical® Inexperienced Card	3 factors per greenback	6 cents	None	$150
Citi Strata Premier℠ Card (see charges and costs)	3 factors per greenback (or 10 factors per greenback if booked by way of CitiTravel.com)	5.4 cents	None	$95

* Worth of rewards relies on TPG’s March 2025 valuation and never the cardboard issuer.
** Enrollment is required prematurely for choose advantages. Phrases apply.

The data for the Hilton Aspire and American Categorical Inexperienced playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Which card do you have to use?

When selecting a bank card on your subsequent keep at a Hilton property, contemplate two components: the advantages you get pleasure from throughout your keep and the factors you earn on the cardboard when paying on your keep.

The primary half is comparatively easy. Your elite standing perks will apply no matter whether or not you employ a selected card on your keep. For instance, you do not really 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 lodge utilizing the Sapphire Reserve via Chase Journey℠ or Citi Strata Premier via the Citi journey portal. It will typically depend as a third-party reserving, so when you’ll earn 10 factors per greenback spent on the acquisition, you may possible forgo any perks of Hilton elite standing.)

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In the case of incomes factors from spending cash at accommodations that take part in Hilton Honors, utilizing your Hilton bank card is definitely a superb choice. These present a greater price of return than utilizing a Marriott bank card at a Marriott lodge, and with assertion credit on a number of Hilton cobranded playing cards, the price of your stays could be decreased.

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Nonetheless, the worth available right here is subjective in some methods: Do you like to earn the utmost worth in line with our month-to-month factors valuations? Are you OK with that even when it means incomes factors which might be caught in a single program and might solely be used with Hilton (or transferred to airways in such a means that you just lose quite a lot of worth)?