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How this card earns

  1. 7 points per dollar:
    HiltonBook direct
    Hilton bookings through Hilton reservation channels and room-charged incidentals paid with the card at checkout.
  2. 5 points per dollar:
    Dining
    U.S. restaurants; excludes nightclubs and restaurants coded as another establishment.
    Groceries
    Supermarkets in the U.S.; excludes superstores and warehouse clubs.
    Gas stations
    Gasoline at gas stations in the U.S.
  3. 3 points per dollar:

    Everything else

Protections and other benefits

15 benefits
  • Hilton Honors Silver StatusComplimentary Hilton Honors Silver status for the basic cardholder.
  • Upgrade to Hilton Honors Gold StatusEligible calendar-year spending of $20,000 earns Gold status through the end of the following calendar year.
  • Car Rental Loss and Damage InsuranceSecondary rental-car damage or theft cover when you pay with the card and decline the rental CDW; no liability cover.
  • Purchase ProtectionProtects eligible purchases against theft or accidental damage for up to 90 days, subject to coverage limits.
  • Amex Special Ticket AccessAccess to presale and reserved tickets for select events, subject to availability.
  • American Express Venue CollectionDedicated entrances or fast lanes at select stadiums and arenas with an eligible card and event ticket.
  • Venue Collection Concessions Statement CreditEnroll one eligible card for 10% back on qualifying venue food and drink concessions, up to $250 per calendar year.
  • Global Assist HotlineEmergency assistance and coordination more than 100 miles from home; third-party charges may apply.
  • Dispute ResolutionHelp with disputed or incorrect card charges.
  • Year-End SummaryAnnual spending summary to review card charges.
  • Additional CardsAdd cards for other people who make purchases for you.
  • Instant Card NumberEligible approved applicants can use their card number online and in supported digital wallets.
  • Send & SplitEnroll to send money and split eligible purchases with Venmo or PayPal through the American Express app.
  • Amex OffersAdd available merchant offers to the card for extra rewards on qualifying purchases.
  • Extended WarrantyExtended warranty protection for eligible purchases, subject to the plan terms and exclusions.

Keep all your cards in one place.

The cards that do have credits get lined up by the day they end.

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Last checked
October 3, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced