Credit Card Review: Hilton HHonors® Platinum Credit Card

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Estimate Reward Earnings

Reward credit cards are only really rewarding if you've found the credit card that suits your lifestyle and if you frequently stay at Hilton Hotels, American Express® has the right card for you. Their Hilton HHonors® Platinum Card is designed specifically to help the credit card user with very good credit get the most rewards out of their spending, not only at the hotel they love, but every time they use their card.

While most reward credit card users only earn one point for every dollar they spend, as a Hilton HHonors® Platinum Card user, you will earn three points for every single dollar that you spend on your card, no matter what youre buying, or where you're buying it. In addition, you will also earn five points for ever dollar that you spend at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S. Postal Service, and wireless phone bills. While your points will never expire, earning potential is limited to $100,000 in annual spending. Cardholders are awarded two points for every dollar spent on eligible purchases exceeding $100,000.

This rewards program can be combined with the Hilton's HHonors® reward program, allowing you the chance to earn both points and frequent flier miles toward a qualifying hotel stay. You will also receive 10,000 bonus points after your very first purchase, so you can get on your way to that hotel stay in no time. In addition, you will receive 15,000 bonus points after achieving a spending level of $5,000 in 5 months, and up to 10,000 bonus points for your first four stays at any Hilton Hotel.

This card offers many American Express® benefits, including auto rental insurance, travel accident insurance, and various purchase protection related services. You will also be eligible for discounts through their Offer Zone, which provides you with access to offers, discounts and special events.

This can has absolutely no annual fee, and comes with a low introductory rate for purchases and balance transfers. In order to take advantage of the low introductory rate on balance transfers, you must initiate the desired transfers during your application process. After the introductory period ends, the interest rate on this card is slightly high, making it less than ideal if you plan on carrying a balance. On the other hand, if you don't plan on carrying a balance, and want to earn huge rewards just for staying at the hotel you love, this card offers great benefits.

(Review Updated: March 11, 2008)

Estimate Reward Earnings

2.90% Intro APR on Purchases, Balance Transfers for 6 months
15.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances

20 days Grace Period

(* 2.9% for 6 months and is applied to Purchases, Balance Transfers)

Finance Configuration: Average daily balance (including new purchases).

Additional Cardholders: $0

Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater.

Over-The-Limit Fee: $35, subject to applicable law.

Cash Advance Fee: 3% of each transaction with $5.00 minimum and no maximum.

Balance Transfer Fee: There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.

Minimum Credit Limit: n/a

Maximum Credit Limit: n/a

Type of Reward: Point

Points per Dollar: 3.00

Additional Points: 5 points per eligible dollar spent at Hilton Hotels and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments, the U.S. Postal Service, and for wireless phone bills.

Bonus Points First Purchase: 10,000 Points

Bonus Points Other: 10,000 Points**

Point Details: **2,500 points awarded per stay at any Hilton Family Hotel, for up to 4 stays. Earn 15,000 Bonus Starpoints® after spending $15,000 In 6 months.

Expiration: None

Yearly Limit: $100,000 in annual spending (2 points awarded for every $1 spent if purchases exceed $100,000)

Additional Features for Hilton HHonors® Platinum Credit Card:

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 for Hilton HHonors® Platinum Credit Card:

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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Notes: The review on Hilton HHonors® Platinum Credit Card was updated on March 11, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.