Hilton Honors American Express Card: annual fee, APR and rewards

Fact sheet for the Hilton Honors American Express Card, issued by American Express, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	American Express
Network	American Express
Annual fee	$0
Rewards	Points: 7X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts in the Hilton portfolio; 5X at U.S. restaurants (including takeout and delivery), at U.S. supermarkets and at U.S. gas stations; 3X on other eligible purchases
Purchase APR	19.74% to 28.74%, based on your creditworthiness and other factors as determined at the time of account opening (variable, Prime Rate)
Sign-up bonus	70,000 Hilton Honors Bonus Points + 1 Free Night Reward after you spend $2,000 on eligible purchases in your first 6 months of Card Membership
Foreign transaction fee	None
Credit level	Excellent (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 28.49%, with a range of 19.49% to 29.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.