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20 cards ranked

Best credit card to use at Hilton.

HotelsTravel

Hilton Honors covers roughly 8,000 properties worldwide across 22 brands, from budget Hampton Inn and Tru up through Waldorf Astoria and Conrad luxury. Booking direct at hilton.com or in-app earns the full 10x base points plus any co-brand multiplier, while third-party bookings (Expedia, Booking.com) earn nothing in the program and don't count toward elite status. The Hilton co-brand cards lean heavily on perks — free weekend nights, automatic Gold or Diamond status, statement credits — rather than headline earn rates, so the value calculation depends on whether you'll actually use the certificate and the status. Hilton points typically value around 0.5 cents each.

  1. #1
    Hilton Honors American Express Aspire
    American Express
    Co-branded Hilton card
    Eligible purchases at Hilton hotels and resorts
    7.0%14x points
  2. #2
    Hilton Honors American Express Surpass
    American Express
    Co-branded Hilton card
    Eligible purchases at Hilton hotels and resorts
    6.0%12x points
  3. #3
    Hilton Honors American Express Business
    American Express
    12x points on hotels
    Purchases made directly with hotels and resorts in the Hilton portfolio
    6.0%12x points
  4. #4
    Chase Sapphire Reserve
    Chase
    4x points on hotels
    Hotels booked directly
    5.0%4x points
  5. #5
    Chase Sapphire Reserve for Business
    Chase
    4x points on hotels
    Hotels booked directly
    5.0%4x points
  6. #6
    Wells Fargo Autograph Journey
    Wells Fargo
    5x points on hotels
    5.0%5x points
  7. #7
    US Bank Altitude Connect
    U.S. Bank
    4x points on travel
    4.0%4x points
  8. #8
    Wyndham Rewards Earner Plus
    Barclays
    4x points on travel
    4.0%4x points
  9. #9
    Wyndham Rewards Earner Premier
    Barclays
    4x points on travel
    4.0%4x points
  10. #10
    Ink Business Preferred
    Chase
    3x points on travel (up to $150,000/year, then 1%)
    Travel, shipping, internet/cable/phone, advertising on search engines and social media (combined)
    3.8%3x points
  11. #11
    Delta SkyMiles Platinum American Express
    American Express
    3x points on hotels
    Direct hotel purchases
    3.6%3x points
  12. #12
    Delta SkyMiles Platinum Business American Express
    American Express
    3x points on hotels
    Purchases made directly with hotels
    3.6%3x points
  13. #13
    Hilton Honors
    American Express
    Co-branded Hilton card
    Eligible purchases at Hilton hotels and resorts
    3.5%7x points
  14. #14
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on travel
    Includes AAA purchases
    3%
  15. #15
    Bank of America Cash Rewards Securedif you select it
    Bank of America
    3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  16. #16
    Bank of America Customized Cash Rewardsif you select it
    Bank of America
    3% on travel if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  17. #17
    Citi Strata Premier
    Citi
    3x points on hotels
    On hotels booked directly
    3.0%3x points
  18. #18
    Costco Anywhere Visa Business by Citi
    Citi
    3% on travel
    Includes Costco Travel
    3%
  19. #19
    Costco Anywhere Visa by Citi
    Citi
    3% on travel
    Includes Costco Travel
    3%
  20. #20
    Navy Federal Visa Signature Flagship Travel Rewards
    Navy Federal
    3x points on travel
    Includes airlines, hotels, car rentals, ride-sharing, parking, tolls, museums, amusement parks, and golf courses
    3.0%3x points

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Last updated July 28, 2026

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