If you are a traveling type of person and love luxury, then Hilton Honors American Express Card may well become your favorite travel tool. It is a no annual fee card which allows for a great opportunity to earn rewards, be convenient with the features and gain access to the perks that have been created with the traveler in mind. 

Whether you are a business traveler who travels frequently for work or just a recreational traveler once in a blue moon, this card allows you to have access to the best and most lavish without paying for them. Miles on your daily spending: free: hotel, resorts, car rentals, airlines, gas stations, travel agencies, and restaurants; Honors Silver status with this card.

Main features of the Hilton Honors American Express card

The Hilton Honors American Express Card is a product of American Express – a company with which travellers are very familiar with and respect due to the company’s recognition in the credit card market. It covers mainly those individuals who have love for travel and need a card that in addition to giving rewards also offers benefits that supplement the travel occasion. 

It offers cardmembers bonus points for their spendings, which can be later used for stays at Hilton’s chain of hotels – the program thus suits perfectly for the frequent guests of Hilton’s hotels & resorts. The card is most fitting to those people who tend to avoid rigidity in their expenditure. 

Understanding the annual fee 

Another marvelous feature of Hilton Honors American Express Card is that Hilton Honors American Express Card has no annual fee. Exactly, no costs involved for one year to avail this card which is very ideal for people who wished to travel and gain rewards without having to shell out more money yearly.

Deciphering credit limits

You will be surprised to learn that even in setting of the credit limits to be accorded to its customers, American makes a holistic analysis of the aspects mentioned. Such components as credit score, income, and credit record as well as the ratio of the debt to the income.

While some cards already have a usual credit line for the new cardholders fixed by the company, regarding the Hilton Honors American Express Card, the credit line is assigned individually depending on your credit history and credit check.

Advantages of the Hilton Honors American Express card

• Complimentary Hilton Honors Silver Status: Automatically attain Hilton Honors Silver status to have privileges such as receiving a 20% bonus on base points for the duration of your stay.
• No Foreign Transaction Fees: Benefit from foreign transactions because this card has none of the foreign transaction fees.

Standout advantage

The best feature of the Hilton Honors American Express Card has to be the one that provides cardholders with 7X Points on Hilton purchases. This is very good earning rate, more so those who use Hilton’s properties on a more frequent basis.

Addressing potential drawbacks

• Limited Redemption Options: Hilton Honors Points are most valuable when going for Hilton products and services which might not be favorable for travellers who would wish to work different loyalty programs.
• High APR: The card has a variable APR which ranges from 20%. 99% to 29. of 10-35% monthly interest and a late fee of up to $35, this is on top of the purchase amount, which is around or up to 29.99% of the cash price at a time and often of up to 99% for any balance.

Standout disadvantage

The first weakness of the Hilton Honors American Express Card relates to the high APR that may vary between 20.99% to 29.99%. This is particularly so if you continuously transact with your card and roll over balances from one statement to the other, as the accumulating interest can quickly negate the benefits of the rewards earned.

Eligibility criteria 

First of all, credit score should be good to excellent, usually falls between 670 and 850 points. Also, depending on the nature of the card, it will determine how much income and over all you are financially capable of meeting the demands of card usage. However, it must also be noted that only persons who are 18 years or older and who are residents of the United States are allowed to bet. 

How to apply for the Hilton Honors American Express card

The application process of the Hilton Honors American Express Card is simple more so when applying using any of the presented methods below. Another advantage for becoming an American Express cardholder is that the company offers different methods for completing an application, through the Web or using a smartphone with the American Express app.

Via website

There are numerous ways that can be used to apply for the Hilton Honors American Express Card out of which the simplest one is by visiting the American Express website. The application process is simple and fast as it can be done fully online and does not take more than a few minutes to fill in an application. It is as easy as going to Amex Website, clicking on Hilton Honors American Express Card link and applying via clicking on ‘Apply Now’. 

From there it will step you through applying for the credit card which involves information such as, your name, address, income, and Social Security number. Once you have completed the application, American Express will consider your application and you will get an immediate response in most of the cases.

Through the mobile application

Another advantage of the application is the possibility to apply directly for the card using a smartphone or a tablet. First, go to the iPhone App Store or the Android market and find the app developed by American express and install it, then log in the app with your existing account if you have then account for the beginning this type of card, otherwise create it. 

After you log in go to the page that shows American Express card options, locate the Hilton Honors American Express Card and apply. Some of the fields in the app are automatically filled because the app bases the information on your Amex profile, thus saves time as compared to the normal application process. 

Through the store/branch

Even though, American Express is all about digital methods, there might be a few cases when you would like to be more traditional and use a paper application for the credit card. Of course, American Express does not have conventional branches like other banks and therefore you cannot go to an American Express branch and fill in a form to apply for the Hilton Honors American Express Card.