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Hilton offers four co-branded credit cards in partnership with American Express. Every one of these cards offers some level of Hilton Honors status, which gets you Hilton’s fifth-night free benefit. And most cards offer paths to free hotel night certificates that can be used at almost any Hilton property, worldwide. You can even get top-tier Diamond status just by holding one of Hilton’s credit cards.
But which credit card is right for you? In this article, we’ll help you decide.
Article overview
Here’s what this article covers. Click any section to jump to that section of the article.
- Which Hilton credit card is right for you? – Our quick take on which card might be right for you.
- Point earnings – Complete comparison of rewards across all Hilton credit cards.
- Hotel benefits – Benefits you’ll get at Hilton Hotels with each card.
- Non-hotel travel benefits – Travel benefits you’ll get with each card.
- Consumer insurance benefits – Overview of the consumer insurance benefits offered by each card.
- Hilton credit card welcome bonuses – Earn a welcome bonus for getting a new Hilton credit card.
Which Hilton credit card is right for you?
With four cards to choose from, which card is best for you? That depends on your travel patterns and preferences, and how often you plan to stay at Hilton hotels.
If you stay at Hilton just a few times a year, it makes sense to have the Hilton Honors American Express Card. The card gives you Hilton silver status, which admittedly doesn’t get you much. But will get you a 20% bonus on the points you earn on your stays, elite rollover nights, and a free bottled water. Perhaps most importantly, you’ll get access to the fifth night free benefit on award stays, which can make your point redemptions 25% more valuable.
Maybe you stay at Hilton hotels half a dozen times a year. If that’s you, you can easily get plenty of value out of the Hilton Honors American Express Surpass® Card. The card offers a $50 quarterly bonus that offsets Hilton stays charged to the card. If you have a paid stay at a Hilton hotel a few times a year, you can easily get enough value to justify the card with this benefit alone. The card also offers a decent return on spending in most of its bonus categories. This card is also a good choice for road warriors who prefer Hilton and naturally earn Hilton Diamond status.
Luxury travelers and new road warriors who will be staying with Hilton will want to jump straight to the Hilton Hilton Honors American Express Aspire Card. You’ll only get a marginal amount of additional points over the other cards, but you’re buying a lot for the card’s $550 annual fee. You’ll get immediate top-tier Diamond status which includes 100% point earning bonuses on stays, space-available room upgrades, and executive lounge access. (Unless you’re interested in luxury travel, you will want to downgrade the card if you’re earning Hilton Diamond status naturally.) The free night award can be used at most Hilton properties worldwide. Selective use of that certificate can yield more than $550 in value. If you stay at Hilton Resorts or luxury properties like Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, you can get plenty of value out of the card’s included resort and on-property credits.
Hilton hotel credit cards point earnings
All of the Hilton Honors credit cards earn a large number of Hilton Honors points for stays at Hilton hotels, plus bonus points in select categories. Here’s a comparison of the point earning of the Hilton credit cards. Additional details on the categories are below the table.
| Hilton Honors American Express Card | Hilton Honors American Express Surpass® Card | Hilton Honors American Express Aspire Card | The Hilton Honors American Express Business Card | |
|---|---|---|---|---|
 Annual fee: $0 (See Rates and Fees) |  Annual fee: $150 (See Rates and Fees; terms apply) |  Annual fee: $550 (See Rates and Fees; terms apply) |  Annual fee: $195 (See Rates and Fees) | |
| Hilton purchases | 7x | 12x | 14x | 12x |
| U.S. gas stations | 5x | 6x | – | – |
| U.S. restaurants | 5x | 6x | 7x | – |
| U.S supermarkets | 5x | 6x | – | – |
| U.S. online retail purchases | – | 4x | – | – |
| Flights booked directly with airlines or Amex Travel | – | – | 7x | – |
| Car rentals booked directly from select car rental companies | – | – | 7x | – |
| Other purchases | 3x | 3x | 3x | 5x on the first $100,000 of purchases each calendar year. 3x thereafter. |
Additional details on bonus categories
Here are some additional details on the card bonus categories of Hilton credit cards.
- Hilton purchases include purchases made directly with a property within the Hilton portfolio, including bookings and incidental charges. To receive bonus points on Hilton bookings, you must make the bookings directly with the hotel. Incidentals charged to your room and paid for with your eligible Hilton card will also receive the bonus points for Hilton purchases.
- U.S. gas stations includes purchases of gasoline at gas stations located in the U.S.
- U.S. restaurants include purchases at restaurants located in the United States. Restaurants located outside the United States, but that are part of a U.S. chain won’t qualify as U.S. restaurants. Additionally, restaurants located in other establishments, such as a restaurant inside a hotel or casino, will not qualify if they are not processed as a restaurant charge.
- U.S. supermarkets are supermarkets located in the United States. Eligible purchases include groceries at U.S. supermarkets.
- U.S. online retail purchases includes purchases made on a website or a app from U.S. retail merchants that sells physical goods or merchandise directly to consumers. Amex must identify the transaction as an internet transaction by the merchant for the purchase to be eligible. Payments made in-store using a mobile or digital wallet or a contactless payment device are not considered online purchases.
- U.S. wireless telephone services includes monthly wireless telephone services purchased directly from U.S. wireless telephone service providers. Purchases of hardware and equipment are excluded, as are purchases from third parties and resellers.
- Flights booked directly with airlines or Amex Travel means flights on passenger airlines and booked with the airline or American Express Travel. Charter flights and private jet flights are excluded.
- Car rentals booked directly from select car rental companies means car rental companies included on American Express’ list of select major car rental companies found here.
Hilton Honors credit card hotel benefits compared
Here is how the four Hilton Honors credit cards stack up in terms of benefits offered for stays at Hilton hotels.
| Hilton Honors American Express Card | Hilton Honors American Express Surpass® Card | Hilton Honors American Express Aspire Card | The Hilton Honors American Express Business Card | |
|---|---|---|---|---|
Annual fee: $0 (See Rates and Fees) | Annual fee: $150 (See Rates and Fees; terms apply) | Annual fee: $550 (See Rates and Fees; terms apply) | Annual fee: $195 (See Rates and Fees) | |
| Earnings at Hilton | 7x | 12x | 14x | 12x |
| Complimentary elite status | Silver | Gold | Diamond | Gold |
| Earn elite status | Gold after $20,000 of spending. | Diamond after $40,000 of spending. | – | Diamond after $40,000 of spending. |
| Annual free night award | – | – | Yes | – |
| Earn a free night award | – | Earn one award after spending $15,000 in a calendar year. | Earn up to two additional awards: 1 after spending $30,000 1 after spending $60,000 in a calendar year. | This benefit was eliminated from this card as of March 28, 2024. |
| Hilton credits | – | Up to $50 statement credits for Hilton purchases each quarter. ($200 per year.) | Up to $200 in resort credits semi-annually. $100 on-property credit at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts | Earn up to $60 in statement credits per quarter ($240 per year) on eligible Hilton purchases made with your card. |
| Fifth night free on award stays | Yes | Yes | Yes | Yes |
More on the hotel benefits of Hilton Honors credit cards.
Here is a bit more detail on what each benefit in the table above is. Terms apply to all benefits.
- Earnings at Hilton. This is the number of points you’ll earn on purchases charged to your card directly by a hotel for stays within the Hilton portfolio.
- Complimentary elite status. Receive Hilton Honors elite status when you hold the card. Hilton Honors elite status can mean perks like bonus points, room upgrades, lounge access and a breakfast benefit.
- Earn elite status. Many Hilton cards allow you earn an upgraded tier of elite status after spending a certain amount of money on the card in a calendar year.
- Free night reward annually after renewal. The Hilton Honors American Express Aspire Card awards a free night annually. More detail on Hilton free night awards is below.
- Hilton credits. Some cards offer credits for Hilton stays, stays at certain luxury property brands, or on-property credits for food, beverage and activities.
- Fifth night free – While this is commonly cited as a benefit of holding a Hilton Honors credit card, the fifth night free technically isn’t a benefit of the Hilton credit cards. When you hold Silver or higher elite status with Hilton, you get a fifth night free on award stays. Since every Hilton Honors credit card grants you elite status, you will always be able to access this benefit if you hold a Hilton credit card. But you also get access to this benefit if you have Hilton elite status naturally, even if you hold no Hilton credit card
Hilton Honors credit card non-hotel travel benefits compared
Hilton credit cards offer several non-travel hotel benefits as well. Here are the details.
| Hilton Honors American Express Card | Hilton Honors American Express Surpass® Card | Hilton Honors American Express Aspire Card | The Hilton Honors American Express Business Card | |
|---|---|---|---|---|
Annual fee: $0 (See Rates and Fees) | Annual fee: $150 (See Rates and Fees; terms apply) | Annual fee: $550 (See Rates and Fees; terms apply) | Annual fee: $195 (See Rates and Fees) | |
| Flight credit | – | – | $50 quarterly credit on eligible flight purchases | – |
| $189 CLEAR® Plus Credit | – | – | Yes | – |
| Car rental loss and damage insurance | Secondary coverage | Secondary coverage | Secondary coverage | Secondary coverage |
| Car rental status | – | National Car Rental® Emerald Club Executive® status | National Car Rental® Emerald Club Executive® status | National Car Rental® Emerald Club Executive® status |
| Baggage insurance plan | – | Yes | Yes | Yes |
| Trip delay insurance | – | – | Yes | – |
| Trip cancellation and interruption insurance | – | – | Yes | – |
| Foreign transaction fees | None | None | None | None |
More on the non-hotel benefits of Hilton Honors credit cards.
Here is a bit more detail on what each benefit in the table above is. Terms apply to all benefits.
- Flight credit. The Hilton Honors American Express Aspire card offers up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or though amextravel.com using the card.
- $189 CLEAR® Plus Credit covers the cost of a CLEAR Plus Membership, excluding any applicable taxes, with up to $189 in statement credits per calendar year after you enroll and pay for CLEAR Plus with your card.
- Car rental loss and damage insurance covers damage to or theft of a rental vehicle when you charge your car rental to your card and decline the collision damage waiver offered by your rental company. Coverage is secondary and is not available in Australia, Italy, and New Zealand. Coverage amount vary by card.
- Car rental status with National Car Rental® gives you Emerald Club Executive® status. Enrollment is required.
- Baggage insurance plan covers baggage damage or baggage loss while traveling with a Common Carrier. Amex Baggage insurance plan covers both checked-baggage and carried-on baggage.
- Trip delay insurance can cover expenses you incur if your travel is delayed significantly or overnight.
- Trip cancellation and interruption insurance can cover eligible prepaid expenses charged to your card that you forfeit if your trip is cancelled or delayed for an eligible reason.
Terms apply to all insurance benefits. See additional disclosures at the bottom of this article for more details on these insurance benefits.
Hilton Honors card consumer insurance benefits
| Hilton Honors American Express Card | Hilton Honors American Express Surpass® Card | Hilton Honors American Express Aspire Card | The Hilton Honors American Express Business Card | |
|---|---|---|---|---|
Annual fee: $0 (See Rates and Fees) | Annual fee: $150 (See Rates and Fees; terms apply) | Annual fee: $550 (See Rates and Fees; terms apply) | Annual fee: $195 (See Rates and Fees) | |
| Purchase protection | Yes | Yes | Yes | – |
| Extended warranty | – | Yes | Yes | Yes |
| Return protection | – | – | Yes | – |
| Cell phone protection | – | – | Yes | – |
More on the consumer insurance benefits of Hilton Honors credit cards.
Here is a bit more detail on the coverage provided by each of these consumer benefits. Terms apply to all benefits. See additional disclosures at the bottom of this article for more details on these insurance benefits.
- Purchase protection protects your eligible purchases for up to 90 days from the covered purchase date, up to $1,000 per incident and $50,000 per cardmember account per calendar year.
- Extended warranty doubles the original manufacturer’s warranty on eligible items you charge to your card with warranties of five years or less. Coverage is limited to $10,000 per item and $50,000 per cardmember account per calendar year.
- Return protection reimburses up to $300 per item, and $1,000 per calendar year if a merchant won’t take an eligible item back within 90 days from the date of purchase.
- Cell phone protection covers repair or replacement of your eligible cellular wireless telephone up to $800 per claim when you charge your monthly cell phone bill to your card. A $50 deductible applies and coverage is limited to 2 claims per eligible card account.
Current Hilton Honors credit card welcome bonuses
Here are the current welcome bonuses offered on Hilton Honors credit cards. These are the best welcome bonuses we know about on these cards.
| Hilton Credit Card | Welcome Bonus | Full Welcome Bonus |
|---|---|---|
Hilton Honors American Express Card Annual fee: $0 (See Rates and Fees) | bonus_miles | bonus_miles_full Jump to this welcome bonus. |
Hilton Honors American Express Surpass® Card Annual fee: $150 (See Rates and Fees; terms apply) | bonus_miles | bonus_miles_full Jump to this welcome bonus. |
Hilton Honors American Express Aspire Card Annual fee: $550 (See Rates and Fees; terms apply) | Earn 175,000 Hilton Honors Bonus Points | Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 4/17/2024 Jump to this welcome bonus. |
The Hilton Honors American Express Business Card Annual fee: $195 (See Rates and Fees) | bonus_miles | bonus_miles_full Jump to this welcome bonus. |
More details about the Hilton Honors credit card welcome bonuses
Hilton Honors American Express Card welcome bonus
card_name welcome bonus:
bonus_miles_full (See Rates and Fees)
Click here to learn more and apply
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Card at a glance:
Annual fee: $0
Rewards: 7x Hilton. 5x U.S. restaurants, U.S. supermarkets, U.S. gas stations. 3x other purchases.
Benefits: Hilton Silver status. Earn a free night award.
More about Hilton Honors American Express Card
Even if you spend a single night in a Hilton hotel, the Hilton Honors American Express Card can pay off. That’s because the card offers complimentary silver status for no annual fee. Silver status gets your a few perks like complimentary bottles of water and 20% bonus point earnings on stays. The Hilton Honors American Express Card has no annual fee. (See Rates and Fees)
The card offers Although the card offers 7x Hilton Honors bonus points on stays, 5x points on dining at U.S. restaurants, 5x points on groceries at U.S. supermarkets, and 5x on gas at U.S. gas stations. The card earn 3 points per dollar spent on other eligible purchases.
Just for having the Hilton Honors American Express Card, you’ll get Hilton Honors Silver status which gets you a fifth night free on award stays. The card also comes with secondary car rental loss and damage insurance and purchase protection.
Hilton Honors American Express Surpass® Card welcome bonus
card_name welcome bonus:
bonus_miles_full (See Rates and Fees)
Click here to learn more and apply.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Card at a glance:
Annual fee: $150
Rewards: 12x Hilton. 6x U.S. restaurants, U.S. supermarkets, U.S. gas stations. 4x U.S. online retail. 3x other purchases.
Benefits: Hilton Gold Status. Earn a free night award.
More about the Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card offers almost as many points as the top-tier Aspire Card on Hilton stays, but offers more rewards in other bonus categories. The card will pay off if you stay at Hilton even a few times a year, thanks to its quarterly Hilton credits. The Hilton Honors American Express Surpass® Card has a $150 annual fee. (See Rates and Fees; terms apply)
The card earns bonus rewards in a long list of categories. First, you’ll earn 12 points per dollar on Hilton hotels and resorts. You’ll earn six points per dollar on dining at U.S. restaurants, on groceries at U.S. supermarkets, and on gas at U.S. gas stations. U.S. online retail purchases will earn you four points per dollar and you’ll earn 3 points per dollar on other eligible purchases.
With the Surpass card, you get Gold status for free and can spend your way to Diamond status each year. The card includes $200 in Hilton credits, meted out as $50 in statement credits each quarter for purchases made with Hilton hotels. Plus, when you spend $15,000 on the card in a calendar year, you can earn a free night certificate.
Hilton Honors American Express Aspire Card welcome bonus
Hilton Honors American Express Aspire Card welcome bonus:
Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. (See Rates and Fees; terms apply)
Click here to learn more and apply.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
Card at a glance:
Annual fee: $550
Rewards: 14x Hilton. 7x Flights booked with airlines or Amex Travel, select car rentals, U.S. restaurants. 3x other purchases.
Benefits: Free annual night reward. Hilton Diamond status. Resort and on-property credits.
More on the Hilton Honors Aspire Card from American Express
The Hilton Honors Aspire Card from American Express is Hilton’s top-tier hotel card, meant for luxury Hilton travelers. The card offers massive rewards for Hilton spending, top-tier elite status with the hotel chain, and a long list of statement credits for its $550 annual fee. (See Rates and Fees; terms apply)
The card earns a whopping 14 points per dollar spent on eligible purchases at hotels and resorts within Hilton’s portfolio of brands. Plus 7 points per dollar on select travel and dining at U.S. restaurants. You’ll earn 3 points per dollar spent on other eligible purchases.
The Aspire card is loaded with benefits. First, you’ll receive complimentary top-tier Hilton Honors Diamond status as a perk of the card. Every year upon card renewal, you’ll receive a free night reward. The card also comes with $200 in statement credits annually to use at participating Hilton resorts, $200 in annual flight credits, a credit for CLEAR Plus membership, on-property credits, and premium travel and consumer insurance perks.
The Hilton Honors American Express Business Card welcome bonus
card_name welcome bonus:
bonus_miles_full (See Rates and Fees)
Click here to learn more and apply
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
Card at a glance:
Annual fee: $95
Rewards: 12x Hilton. 6x U.S. gas stations, U.S. purchases for shipping, U.S. wireless, flights booked with airlines or Amex travel, select car rental, U.S. restaurants.
Benefits: Hilton Gold status. Earn Diamond status. Earn up to two free night rewards.
More on the Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card could make sense for you if you stay at Hilton hotels frequently and consistently. You’ll earn plenty of Hilton points on your stays and can benefit from earning quarterly statement credits. The business card carries a $195 annual fee. (See Rates and Fees)
The card is great for Hilton stays, as you’ll earn 12x Hilton Honors bonus points when you use your card to pay for a stay directly at a Hilton hotel. Outside of Hilton stays, you’ll earn 5x points on the first $100,000 of eligible purchases each calendar year and 3x points thereafter.
Just for having the Hilton Honors American Express Business Card, you’ll get Hilton Honors Gold Status and the opportunity to earn Diamond status by putting $40,000 of spending on the card in a calendar year. You can also earn up to $240 of statement credits each year for charging your Hilton stays to the card. Statement credits are awarded as up to $60 in statement credits each quarter.
A few notes on applying for American Express credit cards
Here are a few things that you should know about applying for American Express cards.
- Amex will let you know if you’re ineligible for the welcome bonus when applying. If you don’t qualify for a welcome bonus for any reason, American Express will inform you during the application process and let you withdraw your application before they perform a “hard pull” on your credit report. If you withdraw your application, the withdrawn application will have no impact on your credit score.
- No hard pull if they deny you. If Amex denies your credit card application, they usually won’t issue a hard pull on your credit report. This means that your credit score won’t decrease because of the denied application.
- One bonus per card per “lifetime”. Most Amex card terms say that you’re ineligible for a welcome bonus if you’ve ever had the card before. Some targeted offers do not have this lifetime language. Readers and other blogs have reported that Amex may internally define “lifetime” as 7 years—if it’s been 7 years since you’ve had a card, you might be eligible to get a welcome bonus again.
- Some cards allow one bonus per card “family”. Some American Express cards, like the personal Platinum card or the Charles Schwab Platinum card have language that prohibits you from earning a welcome bonus if you’ve ever had a card from the same card family before.
- Maximum 5 Amex credit cards and 10 pay-over-time cards. You can have a maximum of 5 American Express credit cards at one time. In addition, you can hold up to 10 American Express pay-over-time cards (like the Platinum, Gold, and Green cards.) These limits are known to occasionally be flexible for some cardmembers, some of the time.
- You might be able to get a better welcome offer than the public offer. American Express offers some customers targeted offers. See our post on how to get the best welcome offers from American Express and try those methods before applying for an American Express card. You might be able to get an elevated welcome bonus.
- Check your application status online. You can check the status of your American Express card application online through the Amex website.
Frequently asked questions
Hilton and Amex offer four credit cards: The Hilton Honors American Express Card, the Hilton Honors American Express Surpass® Card, the Hilton Honors Aspire Card from American Express, and the Hilton Honors American Express Business Card.
All of Hilton’s cobranded cards are issued by American Express.
You can get Gold status as a benefit of the Hilton Honors American Express Surpass® Card and the Hilton Honors American Express Business Card. You can earn Gold status by spending $20,000 on the Hilton Honors American Express Card. The Hilton Honors American Express Surpass® Card comes with Diamond status, which is higher status than Gold.
American Express disclosures
American Express requires us to have these product disclosures if we want to add our affiliate links to this article. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Amex insurance disclosures
Trip Delay Insurance (premium tier) – Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Trip Cancellation and Interruption Insurance – The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Cell Phone Protection – Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Extended Warranty – When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Return Protection – With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
Purchase Protection (premium tier) – Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Purchase Protection (standard tier) – When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Baggage Insurance Plan (premium tier) – Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Baggage Insurance Plan (standard tier) – Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Car Rental Loss & Damage Insurance (premium tier) – Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Car Rental Loss & Damage Insurance (standard tier) – Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
American Express rates and fees disclosures
- For rates and fees of the Hilton Honors American Express Card please visit this link: See Rates and Fees
- For rates and fees of the Hilton Honors American Express Surpass® Card please visit this link: Rates and fees.
- For rates and fees of the Hilton Honors American Express Aspire Card please visit this link: Rates and fees.
- For rates and fees of the Hilton Honors American Express Business Card please visit this link: See Rates and Fees
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.