Hilton HHonors Platinum Credit Card Review
The Hilton HHonors Platinum Credit Card is a travel rewards card with a generous points system: 5 points for every dollar spent at a Hilton, as well as money spent for gas, at supermarkets, drugstores, and other purchases. It’s not a Hilton-only rewards program by any mean, making it one of the better hotel-affiliated credit cards available. Cardholders get 10,000 points after first purchase, as well as 10,000 additional points after the first stays at a Hilton Hotel.
Hilton Rewards
In addition to 5 points rewarded at select merchants, the Hilton HHonors card gives cardholders a full three points for all other purchases. That’s pretty much unprecedented for a rewards card of this type. Most travel rewards card follow the point-per-dollar model. While points never expire, there is a limit of $100,000 in spending every year, which is more than enough for the vast majority of cardholders.
Hilton Bonus Points
The Hilton HHonors card can be combined with the HHonors® reward program, which allows cardholders to earn points or frequent flyer miles towards a hotel stay. In addition to 10,000 points after first purchase, cardholders are eligible for 15,000 bonus points if $5000 is spent in five months. A cardholder could conceivably receive 35,000 bonus points within the first five months of using the card.
The Hilton American Express Card
The HHonors® reward program is an Amex card, so the card comes with all the built in protection of an American Express card – travel accident insurance, car rental insurance, fraud protection, and replacement protection. As this is a travel-related credit card, this is important. The card also has no annual fee and a low introductory rate. However, the card does have a relatively high long-term rate, so it’s not a great card for carrying a balance month to month.
Conclusion: As mentioned, the Hilton HHonors Platinum Card has one of the best travel rewards points programs available. At the same time, this is offset a bit by the APR. If you do a lot of traveling and frequently stay at Hilton hotels, there’s probably no better credit card to have in your wallet.
Card Review
