ResourcesCalculatorsHilton Honors AmEx Card
No Annual Fee

Is the Hilton Honors AmEx Card worth it for you?

The base Hilton Honors card earns 7x at Hilton properties, 5x on dining, supermarkets, and gas, and 3x on everything else — with no annual fee, so every point is upside. Set how you value your points below to see the real dollar total.

Bonus / Offer

Did you get a bonus for opening this card?

Your Annual Spend
How you redeem points

Hilton points are a high-volume, lower-value currency — TPG values them at ~0.4¢. The earn rates are high (up to 7x here), which partially offsets the low per-point value. Aspirational redemptions can reach 0.8¢+.

Annual spend by category

Estimate what you charge to the card each year.

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Total value earned
$0.00NO ANNUAL FEE

You earn $0.00 per year with no fee to offset — it's pure upside.

Points earned / year0 pts
Points value$0.00
Total value$0.00

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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.