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Credit Card Reviews » Citi® Hilton HHonors® Visa® Signature Card |
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The Citi® Hilton HHonors® Visa® Signature Card, issued by Citibank, offers cardholders the opportunity to take advantage of the Hilton HHonors® reward program as well as many signature benefits.
The reward program is by far the most attractive benefit of the card, and it is ideal for those who frequently stay at Hilton HHonors® hotels. The card rewards cardholders with six Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton Grand Vacations Club®, Homewood Suites by Hilton® and The Waldorf=Astoria Collection™ hotels worldwide; three Hilton HHonors bonus points for each $1 spent on purchases at supermarkets, drugstores and gas stations, and earn two Hilton HHonors bonus points for each $1 spent on all other purchases (see website for participating hotel chains).
There is no yearly limit to the number of points that can be earned, and points do not expire provided that a transaction is made with the card within a year or at least one stay in a Hilton Hotel is made within a year. New applicants receive 15,000 bonus points with the first purchase made with the card as long as their first purchase is made within 60 days from the date that the account was opened.
Earned points can be applied to free hotel stays and various travel rewards. Cardholders also receive Hilton HHonors® Silver VIP status for the first year of membership with no additional charge. Since there are a variety of benefits offered with this card, we suggest visiting their website at www.hiltonhhonors.com.
The card has no pre-set spending limit, no annual fee, and a low introductory rate for purchases and balance transfers. The interest rate for purchases and balance transfers after the introductory rate expires is above average for a reward card, and it is not ideal for those who plan to carry a balance. There is also a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
The card does provide many signature benefits provided by Citibank that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
Therefore, those who frequently stay at Hilton HHonors® hotels, plan to pay in full each month (to avoid finance charges), and will take advantage of the many signature benefits will find the Citi® Hilton HHonors® Visa® Signature Card to be very beneficial.
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2.99% Intro APR on Purchases, Balance Transfers for 6 months
14.99% / 16.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* 2.99% for 6 months and is applied to Purchases, Balance Transfers) |
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| Finance Configuration: Average daily balance. This includes new purchases. |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100, $29 on balances of $100 up to $250, $39 on balances of $250 and over |
| Over-The-Limit Fee: Hilton HHonors® Visa® Signature Card $0, Hilton HHonors® Visa® Gold Card $39 |
| Cash Advance Fee: 3% of each cash advance; $5 minimum. |
| Balance Transfer Fee: 3% of the amount of each balance transfer, $5 minimum. However, there is a $75 maximum fee with the 2.99% APR balance transfer offer |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Point |
| Points per Dollar: 2.00 |
| Additional Points: 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn® |
| Bonus Points First Purchase: 15,000 HHonors points |
| Bonus Points Other: n/a |
| Point Details: **Earn 15,000 Hilton HHonors bonus points - enough for two free nights at participating Hilton Family hotels. Just make a purchase on the card within 60 days of account opening. |
| Expiration: 1 Year (Points do not expire as long as the cardholder stays with Hilton or uses the card within a 12-month period.) |
| Yearly Limit: None |
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| Additional Features for Citi® Hilton HHonors® Visa® Signature Card: |
Various Internet account related services.
Identity theft solutions.
Fraud and security protection services.
Complimentary Hilton HHonors Silver VIP status for the first year of membership.
Automatic bill payments.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Emergency cash replacement.
Emergency card replacement.
Lost luggage assistance.
Medical referral services.
Legal referral services.
Lost and stolen card reporting.
Various travel and emergency assistance services.
Year-end financial statement (upon request).
No liability for unauthorized transactions.
See website for additional benefits. |
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| Important Notes for Citi® Hilton HHonors® Visa® Signature Card: |
The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Citi® Hilton HHonors® Visa® Signature Card was updated on May 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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