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Hilton Honors Amex: terms, score and downsides Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric score 71.0% across 78 cards. Issuer page ↗
Downsides first APR up to 28.74% if you carry a balance Penalty APR Prime + 26.74% (variable) Late fee up to $40 7x Hilton. Hilton points valued 1¢ for consistency; they are often worth far less, so this card's value is overstated here. Terms & fees Issuer American Express Type no annual fee Annual fee $0 americanexpress.com, 2026-10-12 Regular purchase APR 19.74%–28.74% variable americanexpress.com, 2026-10-12 Rewards 3% base; 5% dining; 5% gas; 5% groceries americanexpress.com, 2026-10-12 Sign-up bonus (≈$) not found americanexpress.com, 2026-10-12 Intro APR none No intro APR shown americanexpress.com, 2026-10-12 Foreign transaction fee none files.consumerfinance.gov, 2025-12-31 Penalty APR Prime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30 Late fee up to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.49% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Complaint record (CFPB) Complaints, last 12 months 11,574 Trend ▲ 14% (last 12 mo 11,574 vs prior 12 mo 10,155)Timely response (last 36 mo) 99.5% Per $1B deposits (12 mo) 67.47 Top issue Incorrect information on your report Insurance status FDIC-insured: American Express National Bank (cert 27471, active; deposits $171.6B as of 06/30/2026) Company-level (AMERICAN EXPRESS COMPANY), all products, as of 2026-10-12. American Express complaints: full record → Shown for context; does not change the score.
Score breakdown Annual fee 10.0 /10 Annual fee $0 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted). Rewards rate 10 /10 Base 3% on everything, top category 5% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 3% base; 5% dining; 5% gas; 5% groceries Sign-up bonus n/a /10 not found — unknown, scored 2.7/10 (lower of neutral 5 and comparison median) Intro 0% APR 0.0 /10 No intro APR shown (as of 2026-10-12). Score = months/21×10. Regular APR 7.0 /10 19.74%–28.74% variable (as of 2026-10-12); midpoint 24.24%. Score = (34 − midpoint)/1.4, 0–10. Foreign transaction fee 10.0 /10 No foreign transaction fee (as of 2025-12-31). Regulatory record (CFPB) 10.0 /10 Issuer American Express: Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement action found in the last 5 years in our search 0.143×10.0 + 0.143×10 + 0.143×2.7* + 0.143×0.0 + 0.143×7.0 + 0.143×10.0 + 0.143×10.0 = 7.10 → 71.0% (* unknown, imputed)
Is Hilton Honors Amex worth it? (break-even math) → Value for my spending →
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FAQ What is the Hilton Honors Amex annual fee? $0
What is the Hilton Honors Amex APR? 19.74%–28.74% variable
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