Difference Between the 3 Hilton Credit Cards – Which One is Best For You?

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UPDATE: This offer has expired.

As I wrote about yesterday, the limited time offer for 3 Hilton credit cards is coming to an end next week. And while it is great if you can apply for all 3, I know that is not in the cards for most readers! So which card should you get? Keep in mind that there is also a 4th co-branded card, the Hilton Aspire, but they are currently not offing a limited time offer, just their regular offer.

Key Links:

  • Hilton Honors Ascend Card from American Express – Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership. $95 annual fee. Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer ends 06/27/2018*Terms apply. 
  • Hilton Honors Card from American Express – Limited Time Offer: Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Offer ends 06/27/2018. No annual fee. *Terms apply. 
  • Hilton Honors American Express Business Card – Limited Time Offer: Earn 125,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on your Card in the first 3 months. $95 annual fee. *Terms apply. 

As you can see from the offers above, they range anywhere from 75,000 points to 125,000 points. But of course the benefits you receive from the cards all differ as well as the annual fee. So here is a list of some benefits/costs, and the card that will be best for you:

  • No annual fee: Only the Hilton Honors Card from American Express comes with no annual fee, while the other two cards have a $95 annual fee.
  • Most points: The Hilton Honors American Express Business Card will give you the highest offer at 125,000 points.
  • Free night certificate: As part of the welcome offer, only the Hilton Honors Ascend Card from American Express will give you a free weekend night certificate after your first anniversary year.
  • More free night certificates: With both the Hilton Honors Ascend Card from American Express and the Hilton Honors American Express Business Card you can receive a free weekend night certificate (separate from the welcome bonus offer) on an annual basis when you spend $15,000 on the respective card annually.
  • Gold status: Both the Hilton Honors Ascend Card from American Express and the Hilton Honors American Express Business Card will give you automatic Gold status (which gets you complimentary breakfast at all hotels!)

Hilton Honors Ascend Card from American Express vs. Hilton Honors Card from American Express

So when you compare the two personal cards, although you’ll be paying an annual fee the Hilton Ascend, you will get an extra 25,000 points, a free night certificate, and automatic Gold status, I personally think the Ascend offer is better. The point difference valuation is about $150, the free weekend night certificate is worth about $250. So while you are paying an annual fee, you are receiving about $400 in value – and that doesn’t even take into consideration the value you’ll receive of having Gold status! But if you are looking for a no annual fee card or are ineligible for the Hilton Ascend, then the no annual fee card could be better for you. Remember though, if you are looking to really increase your Hilton points, you are eligible to earn both offers since they are different products!

Hilton Honors Ascend Card from American Express vs. Hilton Honors American Express Business Card

When comparing the two cards that come with a $95 annual fee, the business card comes with a higher welcome offer, but the personal card comes with a free weekend night certificate after your first anniversary year. I value the 25,000 point difference at $150 and the free weekend night certificate at $250. So that would make the Hilton Ascend card worth a little more, but, you do not receive the certificate until your 1st year anniversary, so it really depends on when you are looking to use the points/free night certificate. Or, you can apply for both since they are different products!

Overall, these are very attractive offers if you are looking to increase your Hilton points!

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