Who it's for
Free hotel nightsNo annual fee
Hilton Honors
Best no-fee hotel card if you stay at Hiltons occasionally. The 5x grocery/gas/dining rates are competitive even outside of Hilton stays for a $0 card.
$2,072/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 5x | $400/mo |
| Groceries | 5x | $600/mo |
| Flights & hotels | 4.6x | $300/mo |
| Rent | 3x | $2,500/mo |
| Gas & transit | 5x | $150/mo |
| Streaming | 3x | $80/mo |
| Online shopping | 3x | $200/mo |
| Everything else | 3x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 7x Hilton Honors points at Hilton properties
- 5x at U.S. restaurants
- 5x at U.S. supermarkets
- 5x at U.S. gas stations
- 3x on everything else
- Complimentary Hilton Silver elite status
- No annual fee
- No foreign transaction fees
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