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| Credit Card Review |
The Hilton HHonors® Platinum Credit Card from American Express is designed for those with very good credit who frequently stay at Hilton Hotels.
Through the reward program, cardholders earn three points for every dollar spent on the card for general purchases (a rare benefit, as most reward programs only offer one point per dollar spent for general purchases) and five points for every dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S Postal Service, and wireless phone bills. American Express already offers the Hilton HHonors® Platinum Credit Card from American Express online. Earned points do not expire; however, points are limited to $100,000 in annual spending. Cardholders will be awarded two points for every dollar spent on eligible purchases exceeding $100,000. The Hilton HHonors® Platinum Credit Card from American Express is a good card.
The reward program can be combined with the Hilton's HHonors® reward program that offers various benefits to cardholders including a chance to earn both points and frequent flyer miles for a qualifying hotel stay. Cardholders will also receive 10,000 bonus points after their first purchase, which must be made within one month of approval, 15,000 bonus points after spending $5,000 in 5 months, and up to 10,000 bonus points for their first four stays at any Hilton. One such card that offers these incentives is the Hilton HHonors® Platinum Credit Card from American Express.
In addition to the reward program, the card does offer many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance, various purchase protection related services, and discounts through the Offer Zone (which provides access to offers, discounts, and special events).
There is no annual fee on the card, and a low introductory rate is available for purchases and balance transfers for the first six months (balance transfers must be submitted during the application process). The interest rate for purchases and balance transfers is above average for a reward credit card and is not ideal for those who plan to carry a balance after the low introductory rate expires. Read our full review of the Hilton HHonors® Platinum Credit Card from American Express and the details on how to apply for this card.
Overall, the Hilton HHonors® Platinum Credit Card from American Express is best for those who frequently stay at Hilton Hotels and will be able to take advantage of the reward program as well as the many cardholder benefits provided by American Express®.
Most Attractive Feature: Three points for general purchases; additional hotel benefits and services for cardholders; no annual fee; bonus points; no blackout dates.
Least Attractive Feature: This card is not eligible for enrollment in the Membership Rewards® Program.
Apply Now For Hilton HHonors® Platinum Credit Card from American Express
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Note: The review
of this Hilton HHonors® Platinum Credit Card from American Express from American Express was updated on June 27, 2008
*Terms and Conditions
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| Key Card Information |
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Introductory Rate: |
2.9% APR for 6 Months |
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Time Period: |
6 Months |
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Applied Towards: |
Purchases, Balance Transfers |
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APR (Purchases): |
18.24% |
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APR (Cash Advances): |
22.74% |
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Finance Configuration: |
Average Daily Balance (including new purchases) |
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Annual Fee: |
$0 |
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Additional Cardholders: |
$0 |
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Grace Period: |
20 Days |
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Minimum Credit Limit: |
n/a |
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Maximum Credit Limit: |
n/a |
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Late Payment Fee: |
$19 on balances up to $400 and $38 on balances of $400 and over |
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Over-The-Limit Fee: |
$35 |
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Cash Advance Fee: |
3%, $5 minimum for Express Cash transactions |
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Balance Transfer Fee: |
There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction. |
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Introductory Rate Details: |
The introductory rate is available on balance transfers submitted during the application process. |
| The Rewards Program
Highlights |
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Expiration: |
None |
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Yearly Limit: |
$100,000 in annual spending (2 points awarded for every $1 spent if purchases exceed $100,000) |
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Bonus Miles: First Purchase: |
10,000 Points |
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Points per Dollar: |
3 Points |
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Additional Points: |
5 points per eligible dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S. Postal Service, and for wireless phone bills. |
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Bonus Points: Other: |
30,000 Points** |
| Additional Highlights of Interest |
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Special Card Benefits and Features
Various Internet account related services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Access to the Offer Zone for various discounts at participating retailers and merchants.
Guaranteed hotel and motel reservations.
Emergency card replacement.
Emergency cash replacement.
Auto rental insurance.
Medical referral services.
Legal referral services.
Roadside assistance.
Up to $100,000 in travel accident insurance.
See website for additional benefits.
Important Notes Regarding This
Offer
Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure
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