Getting a no annual fee credit card seems like a great thing to have in your pocket. The best part is that if you keep repaying the amount spent, you will be roaming with a maintenance-free credit card in your pocket.
The Hilton Honors American Express Card offers something similar and a lot more in terms of complementary services, points system, and much more. There are a lot of other aspects attached to the American Express credit card that you will find fantastic.
In this article, we will talk specifically about the Hilton Honors American Express Card and not the other two types (Surpass and Aspire) cards under the same umbrella. You will find out the main features, pros, cons, fee structure, and application process.
Features of the Hilton Honors American Express Card
The name comes from the Hilton hotels and that is why upon collecting enough points, (80,000 in this case) you will get to stay for a couple of nights free at some Hilton hotels. However, to get these many points, you need to spend $1000 within the first three months of membership.
As per the provider, this credit card is best for use at hotels, restaurants located in the US, and for shopping abroad, as you won’t have to pay any foreign transaction fee. You will also receive a complimentary Silver Status by getting this card.
The Silver Status presents you with several benefits including more points bonus percentage and a free night stay at Hilton hotels after fulfilling some conditions. All in all, this credit card is great for those who travel frequently and eat out regularly.
Pros and Cons of Hilton Honors American Express Card
One of the best things about this card is the points systems and the complimentary Silver Status. Both these benefits will save you money on hotel bookings. With this card, you also get a chance to upgrade to the Gold Status which itself has a multitude of benefits.
Added to this, you will get car rental insurance and purchase protection on eligible items. Lastly, this card will also get you access to member-only events and exclusive access to some presales.
But everything is not good about this card. Users have often complained that a card which has several traveler-friendly benefits, does not offer any benefit in terms of airline ticketing.
Hilton Honors American Express Fees
- Sign-up Fee: Nil
- Annual Fee: Nil
- APR: 15.74% to 24.74%
- Cash Advance Fee: $10 or 5% of the amount (higher amount applies)
- APR for Cash Advances: 25.24%
- Foreign Transaction Fee: Nil
- Late Payment Fee: up to $40
- Returned Payment: up to $40
Credit Card Eligibility
Before applying for this credit card, you must have a good to excellent credit history. Added to this, you need to be a US citizen and must have a recurring income source. While applying you will be asked to submit your personal details that will help identify your application status.
How to Get a Hilton Honors American Express Card?
To apply for this card, you can fill out the form by visiting the bank. Here you will get help for applying and also understanding the benefits. However, you will need to first find a nearby branch and then wait in line to fill the form.
Another way to do the same is by using the online application method. On the official credit card site, you need to click on Apply Now. Submit the details asked in the form. Providing your name, residence, social security number, email address, and phone number is a must.
Also, note that the Welcome Offer is not provided if you have previously taken the same credit card.
American Express Bank Address and Contact
To know more about the card, you can contact the bank at their official address or give them a call. The bank address and contact details are given below.
Address: 200 Vesey Street, New York, NY 10285-3106
Phone: 212-640-2000
Conclusion
The no annual fee credit card offered by American Express can be a great resource for beginners and frequent travelers. However, you might want to use it with caution as the card’s usage will impact your credit score. Rest assured that all the functions and features are favorable to the user.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank's terms and conditions page before agreeing to anything
