Regular travelers who frequently stay at Hilton Hotels will find the Citi® Hilton HHonors® Visa® Signature Card to be a credit card worth looking at.

If you are a fan of spending your nights away from home at a hotel that falls under the Hilton brand, you can earn a generous amount of points that can be spent on free nights at Hilton hotels and more.

Citi® Hilton HHonors® Visa® Signature Card Details

You will be awarded 40,000 HHonors bonus points when you spend $1,000 within the first 4 months of opening your account.

Here are the details of the Citi® Hilton HHonors® Visa® Signature Card:

  • No annual fee.
  • Purchase APR from as low as 15.49% variable and cash advance APR starts at 25.24%.
  • Earn 6 Hilton HHonors Bonus Points for each $1 spent at participating hotels within the Hilton Worldwide portfolio – in addition to HHonors Base Points earned.
  • Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.
  • Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases.

The HHonors Points can be spent on free nights at more than 3,600 participating hotels, experiences, car rentals, cruises, admissions to entertainment parks, shopping, and dining. Participating hotel brands include: Hilton, Hampton, Conrad, Embassy Suites, Doubletree, and Waldorf Astoria.

Hotels are placed in 7 reward categories plus the exclusive Waldorf Astoria hotels. One free standard night can cost from 7,500 points (at a Reward Category 1 hotel) up to 80,000 points (during high season at a Waldorf Astoria hotel).

Card Analysis

With rewards and no annual fee, the Citi® Hilton HHonors® Visa® Signature Card doesn’t seem like such a bad credit card to keep around. But, note that there is no introductory APR and balance transfers are not available on this card. A purchase APR of 14.24% is common among many of the brand-specific rewards cards but it remains rather high compared to the more general cash back and rewards cards.

Because the rewards vary on your spending habits and points conversions differ based on the grandeur of the hotel, it is difficult to put the rewards earning potential into perspective. Also, remember that the points earned on the Citi® Hilton HHonors® Visa® Signature Card are Bonus Points. The Hilton HHonors program also rewards Base Points, which vary depending on the hotel. Visit the Hilton HHonors® page for more information.

If you apply and don’t get approved for the Citi® Hilton HHonors® Visa® Signature Card, your application may be reviewed for the Citi Hilton HHonors Visa Gold Card. The Gold Card doesn’t have comparable benefits so it would be best to apply for this card with an excellent credit history.

Consider learning more about the Citi® Hilton HHonors® Visa® Signature Card.

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