Review of the American Express Hilton HHonors Platinum Credit Card



The American Express Hilton HHonors Platinum Credit Card was last reviewed on 28th June 2006

american express hilton hhonors
Summary - The American Express Hilton Honor Platinum Credit Card allows a frequent traveller with Hilton Hotels to earn faster Hilton Honor Points. You earn 5 points when you charge your Hilton Honor Credit Card at participating Hilton�, Conrad�, Coral by Hilton, Doubletree�, Embassy Suites Hotels�, Hampton Inn�, Hampton Inn & Suites�, Hilton Garden Inn�, Hilton Grand Vacations Club�, Homewood Suites by Hilton� and Scandic hotels. You earn 3 points for every dollar you spend on other purchases. The points that you earn from using the American Express Hilton Honor credit card is on top of the points you earn from staying at participating Hilton hotels. You can earn unlimited points. For spending up to $100,000, you earn the 5 points for every dollar you spend at Hilton Hotels. Once your spending exceeds $100,000, you earn 2 points for every dollar spent at Hilton Hotels. Your Hilton Honor points do not expire if your account is active within 12 months.

Fees - There is no annual fee for the American Express Hilton Honor credit card. There APR is high at Prime Rate plus 9.99%., which is the standard rate for hotel and airline credit cards.

Verdict - The Hilton Honor program is one of the best hotel programs around. You can earn both hotel points and airmiles (with partner airlines) when you stay at the Hilton Honors hotel. You are given three choices of accumulating your points. You can either just earn hotel points, airmiles or a combination of both. A frequent traveller who stays regulary at any Hilton Honor hotels should consider the American Express Hilton HHonors Platinum Credit Card

Positives
  • No annual fee
  • Hilton HHonors program lets you earn both points and miles



American Express Hilton HHonors Platinum Credit Card
Reward Benefits
Sign-on Bonus 10,000 bonus points
Balance Transfer Fees waived for first 90 days
Complimentary Hilton HHonors Silver membership for first year of card membership
Point Accumulation 5 points for $1 spent at Hilton HHonors hotels
3 points for $1 spent for every other purchase
Anniversary Bonus none
Points Expiration None - but account must be active within 12 months
Caps on points Earn unlimited Points
For spending above $100,000, earn 2 points per $1 spent at eligible Hilton HHonors Hotel
Credit Limits Up to $100,000
Travel and Insurance Benefits
Up to $100,000 Travel Insurance
Automatic rental insurance
Amex Guarantee hotel room reservation
Free travellers checks
Other Benefits
Extended warranty
purchase protection plan
Online fraud protection
24/7 Concierge service
Year-end account summary
Cost/Fees/Interest rates
Introductory rate 2.9% fixed APR for first 6 billing cycles (balance transfers)
Annual Fees None
Purchase APR Prime Rate plus 9.99%
Balance Transfer APR Prime Rate plus 9.99%
Cash Advance APR Prime Rate plus 14.99%
Penalty/Default Rate APR Prime Rate plus 21.99%
Min Finance Charge $0.50
Grace Period 20 days
Balance Calculation Method Average Daily Balance
Balance Transfer Fee 3%, min $5.00, max $50.00
Convenience checks fee 3%, min $5.00, max $50.00
Cash Advance fee 3% min $5.00
Other Cash Advance fee 3% min $5.00
Foreign Currency Conversion fee 2%
Over-the-credit-limit fee $35.00
Late Payment fee $15.00 - less than $100
$29 - $100-$1000
$35 - greater than $1000



Apply for the American Express Hilton HHonors Platinum Credit Card




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