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Hilton HHonors® Platinum Credit Card from American Express

  
The Hilton HHonors® Platinum Credit Card from American Express is issued by American Express.
This card received a rating of 4.50 out of 5.00
Basic Credit Card Information
Introductory Rate: 2.9% APR for 6 Months
Time Period: 6 months
Rate Applied To: Purchases, Balance Transfers
Additional Details: The introductory rate is available on balance transfers submitted during the application process.
Regular APR: 14.99%
Variable or Fixed: Variable
Annual Fee: $0
Annual Fee Details: None
Application Fee: n/app
Participation Fee: n/app
Reload Fee: n/app
Inactive Fee: n/app
Total First Year Fees: n/app
Types Of Rewards: Point
Points Per Dollar Spent: 3 Points
Additional Points: 5 points per eligible dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S. Postal Service, and for wireless phone bills.
Point Details: None
Make sure to read the credit card's before applying!
Credit Card Review
The Hilton HHonors® Platinum Credit Card from American Express is designed for those with very good credit who frequently stay at Hilton Hotels.

Through the reward program, cardholders earn three points for every dollar spent on the card for general purchases (a rare benefit, as most reward programs only offer one point per dollar spent for general purchases) and five points for every dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S Postal Service, and wireless phone bills. Earned points do not expire; however, points are limited to $100,000 in annual spending. Cardholders will be awarded two points for every dollar spent on eligible purchases exceeding $100,000.

The reward program can be combined with the Hilton's HHonors® reward program that offers various benefits to cardholders including a chance to earn both points and frequent flyer miles for a qualifying hotel stay. Cardholders will also receive 10,000 bonus points after their first purchase, which must be made within one month of approval, 15,000 bonus points after spending $5,000 in 5 months, and up to 10,000 bonus points for their first four stays at any Hilton.

In addition to the reward program, the card does offer many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance, various purchase protection related services, and discounts through the Offer Zone (which provides access to offers, discounts, and special events).

There is no annual fee on the card, and a low introductory rate is available for purchases and balance transfers for the first six months (balance transfers must be submitted during the application process). The interest rate for purchases and balance transfers is above average for a reward credit card and is not ideal for those who plan to carry a balance after the low introductory rate expires.

Overall, the Hilton HHonors® Platinum Credit Card from American Express is best for those who frequently stay at Hilton Hotels and will be able to take advantage of the reward program as well as the many cardholder benefits provided by American Express®.

This review was updated 2008-06-27T00:00:00.0000000-07:00
Additional Information
No blackout dates. 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.

Special Notations about the Hilton HHonors® Platinum Credit Card from American Express:

Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure