Citi® Hilton Honors™ Visa Signature® Card Review – 75k Bonus Points

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The Citi® Hilton Honors™ Visa Signature® Card is a hotel rewards credit card that favors frequent guests at Hilton hotels and partner properties. It has no annual fee and automatically earns Hilton Honors Silver Status, which confers useful benefits such as 15% faster point earnings on Hilton stays. It also has a great sign-up bonus that’s good for up to 15 free nights.

The best way to redeem accumulated Honors points is to exchange them for free nights or room upgrades at approximately 4,000 Hilton properties worldwide. However, you can also transfer points to some popular airline rewards programs and exchange them for goods and services at the Hilton Honors Shopping Mall, an online portal.

The Citi Hilton Honors Visa competes with several other branded hotel and travel rewards credit cards, including Citi Hilton Honors Reserve, Wyndham Rewards, IHG Rewards Club SelectMarriott Rewards PremierUnited MileagePlus Explorer, and Alaska Airlines Visa Signature. It also competes with general-purpose travel cards such as Capital One Venture Rewards, BankAmericard Travel Rewards, Chase Sapphire Preferred, and U.S. Bank FlexPerks Travel Rewards Visa Signature. Most competing cards have annual fees ranging from $50 to $100.

The Citi® Hilton Honors™ Visa Signature® Card is one of the more generous fee-free hotel credit cards around. The sign-up bonus alone is worth up to eight free nights at basic Hilton properties. That’s more hotel time than the average American spends in an entire year.

This is a particularly attractive perk for savvy travel credit card users, who know that the best way to maximize travel benefits and minimize annual fees is often to sign up for a card with a juicy sign-up bonus, redeem the bonus points or miles, and cancel the card within a year – which can have negative credit repercussions.

Since the Citi Hilton Honors Visa Signature Card doesn’t charge an annual fee, there’s no pressure to cancel. If you no longer wish to use the card, you can simply redeem your accumulated points and stop spending with it. That’s one more argument in favor of this deceptively powerful card.

The Citi® Hilton HHonors™ Visa Signature® Card is great for domestic travelers who regularly stay at Hilton properties and spend heavily in the card’s favored non-hotel spending categories, such as supermarkets and gas stations. However, with no annual fee, cardholders don’t have to worry about accumulating rewards fast enough to offset a regular debit. On the other hand, this card isn’t great for people who want to maximize their point-earning power on hotel stays, redeem accumulated rewards for cash, or avoid foreign transaction fees.

This card’s excellent sign-up bonus, good loyalty bonus, automatic Silver Status, solid hotel selection, and lack of an annual fee are all great. Its poor airline transfer ratios, moderate point-earning rates relative to other Hilton cards, 3% foreign transaction fee, and penalty APR all hurt its prospects. Overall, it’s a very good credit card for frequent Hilton guests who don’t like annual fees.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Categories: Citi, Credit and Debt, Credit Cards, Lifestyle, Reviews, Travel

Brian Martucci writes about frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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