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TPG’s Summer Travel Series

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Make the most of every trip this summer (and beyond)

TPG’s Summer Series, brought to you by American Express, is your one-stop shop for all things summer travel. Discover the places we’re excited to go, how we’re getting there, and the credit cards helping us make the most of every trip.

For Your Best Summer Yet

BEST FOR ELITE DELTA FLYERS
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review

Rewards

1 - 3X points
3XEarn 3X Miles on Delta purchases.
1XEarn 1X Miles on all other eligible purchases.

Intro offer

Earn 60,000 miles
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Annual Fee

$650

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

*Effective Feb. 1, 2025, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the card must equal $75,000 or more between Jan. 1, 2024 and Dec. 31, 2024, and each calendar year thereafter.

Pros

  • Delta SkyClub access when flying Delta
  • Annual companion ticket for travel on Delta (upon renewal)
  • Ability to earn MQDs through spending
  • Various statement credits for eligible purchases

Cons

  • Steep annual fee of $650
  • Other Delta cobranded cards offer superior earning categories
  • Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
  • Receive four Delta Sky Club? One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
  • Enjoy complimentary access to The Centurion? Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion? Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion? Qualification Dollar for each $10 of purchases made on your Delta SkyMiles? Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+?, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: When you use your Delta SkyMiles? Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles? Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles? Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles? Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Apply for Delta SkyMiles? Reserve American Express Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review

Rewards Rate

3XEarn 3X Miles on Delta purchases.
1XEarn 1X Miles on all other eligible purchases.

  • Intro Offer
    Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

    Earn 60,000 miles

  • Annual Fee

    $650

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

*Effective Feb. 1, 2025, Reserve cardmembers will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on Feb. 1, 2025, the total eligible purchases on the card must equal $75,000 or more between Jan. 1, 2024 and Dec. 31, 2024, and each calendar year thereafter.

Pros

  • Delta SkyClub access when flying Delta
  • Annual companion ticket for travel on Delta (upon renewal)
  • Ability to earn MQDs through spending
  • Various statement credits for eligible purchases

Cons

  • Steep annual fee of $650
  • Other Delta cobranded cards offer superior earning categories
  • Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy complimentary access to the Delta Sky Club. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
  • Receive four Delta Sky Club? One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
  • Enjoy complimentary access to The Centurion? Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion? Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion? Qualification Dollar for each $10 of purchases made on your Delta SkyMiles? Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+?, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: When you use your Delta SkyMiles? Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
  • $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles? Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
  • Delta SkyMiles? Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles? Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
BEST FOR SEMI-FREQUENT HILTON GUESTS
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review

Rewards

3 - 12X points
12XEarn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6XEarn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4XEarn 4X Points for each dollar on U.S. Online Retail Purchases.
3XEarn 3X Points for all other eligible purchases on your Card.

Intro offer

Earn 130,000 points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership.

Annual Fee

$150

Recommended Credit

670-850
Good, Excellent
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

It also gives you a fifth night free when you book with points, an 80% earning bonus during stays and room upgrades to executive suites when available. Finally, you’ll get up to $50 each quarter to spend at Hilton properties.

Pros

  • Reasonable annual fee
  • Annual Hilton credit
  • Hilton Honors Gold status, with the opportunity to earn Diamond status
  • No foreign transaction fees

Cons

  • Dynamic award chart can require many points for a redemption
  • Ties you to Hilton properties
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass? Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ? Gold Status with your Hilton Honors American Express Surpass? Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors? Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental? Emerald Club Executive? status. Enrollment in the complimentary Emerald Club? program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.
  • See Rates & Fees
Apply for Hilton Honors American Express Surpass? Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
BEST FOR SEMI-FREQUENT HILTON GUESTS
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review

Rewards Rate

12XEarn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
6XEarn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4XEarn 4X Points for each dollar on U.S. Online Retail Purchases.
3XEarn 3X Points for all other eligible purchases on your Card.

  • Intro Offer
    Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership.

    Earn 130,000 points

  • Annual Fee

    $150

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Good, Excellent

Why We Chose It

It also gives you a fifth night free when you book with points, an 80% earning bonus during stays and room upgrades to executive suites when available. Finally, you’ll get up to $50 each quarter to spend at Hilton properties.

Pros

  • Reasonable annual fee
  • Annual Hilton credit
  • Hilton Honors Gold status, with the opportunity to earn Diamond status
  • No foreign transaction fees

Cons

  • Dynamic award chart can require many points for a redemption
  • Ties you to Hilton properties
  • Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass? Card in your first 6 months of Card Membership.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass? Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ? Gold Status with your Hilton Honors American Express Surpass? Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors? Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental? Emerald Club Executive? status. Enrollment in the complimentary Emerald Club? program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.
  • See Rates & Fees
Limited Edition Card Design
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for American Express? Gold Card
at American Express's secure site

Rewards

1 - 4X points
4XEarn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4XEarn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3XEarn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2XEarn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1XEarn 1X Membership Rewards? point per dollar spent on all other eligible purchases.

Intro offer

60,000 points + earn up to $100 back
Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

Annual Fee

$325

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app to receive this benefit), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment required for select benefits.

Pros

  • 4 points per dollar spent on dining at restaurants and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
  • 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
  • Packed with credits foodies will enjoy
  • Solid welcome bonus

Cons

  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber and other dining credits
  • Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express? Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express? Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express? Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express? Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Apply for American Express? Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Limited Edition Card Design
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4XEarn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3XEarn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2XEarn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1XEarn 1X Membership Rewards? point per dollar spent on all other eligible purchases.

  • Intro Offer
    Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

    60,000 points + earn up to $100 back

  • Annual Fee

    $325

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app to receive this benefit), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment required for select benefits.

Pros

  • 4 points per dollar spent on dining at restaurants and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
  • 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
  • Packed with credits foodies will enjoy
  • Solid welcome bonus

Cons

  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber and other dining credits
  • Earn 60,000 Membership Rewards? Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express? Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards? points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards? points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards? points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards? points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards? point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express? Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express? Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express? Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
Best luxury travel rewards card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review

Rewards

5X points
5XEarn 5X Membership Rewards? Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5XEarn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel.

Intro offer

Earn 80,000 points
Earn 80,000 Membership Rewards? Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

Annual Fee

$695

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption. 

Pros

  • The current welcome offer on this card is lucrative
  • Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)
  • The Amex Platinum has access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan your next getaway
  • Additional valuable card statement credits add up to save you hundreds of dollars every year

Cons

  • If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee
  • The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards
  • Earn 80,000 Membership Rewards? Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards? Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts? or The Hotel Collection bookings through American Express Travel using your Platinum Card?. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card? on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection? can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card? to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card?.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $199 CLEAR? Plus Credit: CLEAR? Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Platinum Card?. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card?. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card? to your Resy profile.
  • $695 annual fee.¤
  • Terms Apply.
  • See Rates & Fees
Apply for The Platinum Card? from American Express
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best luxury travel rewards card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review

Rewards Rate

5XEarn 5X Membership Rewards? Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5XEarn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel.

  • Intro Offer
    Earn 80,000 Membership Rewards? Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

    Earn 80,000 points

  • Annual Fee

    $695

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

For some, making an investment in a premium travel card is a great way to reap some lucrative benefits. Though you’ll pay a high annual fee as an Amex Platinum cardholder, you’ll unlock access to the American Express Membership Rewards program, which lets you access airline and hotel transfer partners, along with lots of lifestyle and travel credits. With a generous welcome offer and travel bonus categories, this card is incredibly rewarding in helping you rack up a ton of Membership Rewards points to book your next award redemption. 

Pros

  • The current welcome offer on this card is lucrative
  • Travel benefits include access to Centurion Lounges, complimentary Gold elite status with Hilton and Marriott and up to $199 in statement credits to cover your Clear Plus annual membership (Enrollment is required for select benefits)
  • The Amex Platinum has access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan your next getaway
  • Additional valuable card statement credits add up to save you hundreds of dollars every year

Cons

  • If you don’t take advantage of the card’s statement credits and lucrative benefits, it may not be worth the high annual fee
  • The annual airline fee statement credit can be complicated to use compared to the broader travel credits offered by competing premium cards
  • Earn 80,000 Membership Rewards? Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards? Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards? Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts? or The Hotel Collection bookings through American Express Travel using your Platinum Card?. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card? on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection? can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card? to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card?.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $199 CLEAR? Plus Credit: CLEAR? Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Platinum Card?. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card?. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card? to your Resy profile.
  • $695 annual fee.¤
  • Terms Apply.
  • See Rates & Fees
BEST DELTA CARD FOR INFREQUENT FLYERS
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 2X points
2XEarn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1XEarn 1X Mile on all other eligible purchases.

Intro offer

Earn 40,000 Miles
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Annual Fee

$0 introductory annual fee for the first year, then $150.

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you’re not looking for premium airline perks such as lounge access or earning status with Delta through spending, this card is a good option. It allows you to earn SkyMiles toward award travel and to save money with perks such as a free checked bag as well as discounts on inflight purchases. Plus, the card’s low annual fee won’t break the bank.

Pros

  • First checked bag free for you and up to eight companions
  • Priority boarding
  • 15% discount on all award flights
  • 20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)

Cons

  • There are better Delta cards if you want lounge access or a boost to earn elite status
  • Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles? Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles? Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split?, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Terms Apply.
  • See Rates & Fees
Apply for Delta SkyMiles? Gold American Express Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
BEST DELTA CARD FOR INFREQUENT FLYERS
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

2XEarn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1XEarn 1X Mile on all other eligible purchases.

  • Intro Offer
    Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

    Earn 40,000 Miles

  • Annual Fee

    $0 introductory annual fee for the first year, then $150.

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

If you’re not looking for premium airline perks such as lounge access or earning status with Delta through spending, this card is a good option. It allows you to earn SkyMiles toward award travel and to save money with perks such as a free checked bag as well as discounts on inflight purchases. Plus, the card’s low annual fee won’t break the bank.

Pros

  • First checked bag free for you and up to eight companions
  • Priority boarding
  • 15% discount on all award flights
  • 20% back in the form of a statement credit on inflight purchases (not including Wi-Fi)

Cons

  • There are better Delta cards if you want lounge access or a boost to earn elite status
  • Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Enjoy a $0 introductory Annual Fee for the first year, then $150.
  • Delta SkyMiles? Gold American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • $200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
  • Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
  • You can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • $100 Delta Stays Credit: Get up to $100 back per year as a statement credit after using your Delta SkyMiles? Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
  • Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
  • No Foreign Transaction Fees.
  • With Send & Split?, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
  • Terms Apply.
  • See Rates & Fees
BEST FOR DELTA FANS
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review

Rewards

1 - 3X points
3XEarn 3X Miles on Delta purchases and purchases made directly with hotels.
2XEarn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets
1XEarn 1X Miles on all other eligible purchases.

Intro offer

Earn 50,000 miles
Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Annual Fee

$350

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

Build your loyalty to Delta by applying for the carrier’s mid-tier card option, the Delta SkyMiles Platinum card. The annual fee is quickly recouped by the card’s travel perks, such as a Global Entry or TSA PreCheck credit, annual companion certificate and more. Plus, you can fast-track to elite status simply through card spend.

Pros

  • Enjoy a fast track to Medallion status by spending on the card
  • Receive a domestic Main Cabin round-trip companion certificate each year
  • Statement credit for TSA PreCheck (Up to $85 every 4.5 years) or Global Entry (up to $100 every 4 years)
  • First checked bag free

Cons

  • Doesn't make sense if you don't fly Delta
  • SkyMiles aren't the most valuable airline currency
  • Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion? Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles? Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion? Qualification Dollar for each $20 of purchases made on your Delta SkyMiles? Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • $120 Resy Credit: When you use your enrolled Delta SkyMiles? Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 each month in statement credits.
  • $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles? Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles? Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Delta SkyMiles? Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • No Foreign Transaction Fees.
  • $350 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Apply for Delta SkyMiles? Platinum American Express Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review

Rewards Rate

3XEarn 3X Miles on Delta purchases and purchases made directly with hotels.
2XEarn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets
1XEarn 1X Miles on all other eligible purchases.

  • Intro Offer
    Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.

    Earn 50,000 miles

  • Annual Fee

    $350

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

Build your loyalty to Delta by applying for the carrier’s mid-tier card option, the Delta SkyMiles Platinum card. The annual fee is quickly recouped by the card’s travel perks, such as a Global Entry or TSA PreCheck credit, annual companion certificate and more. Plus, you can fast-track to elite status simply through card spend.

Pros

  • Enjoy a fast track to Medallion status by spending on the card
  • Receive a domestic Main Cabin round-trip companion certificate each year
  • Statement credit for TSA PreCheck (Up to $85 every 4.5 years) or Global Entry (up to $100 every 4 years)
  • First checked bag free

Cons

  • Doesn't make sense if you don't fly Delta
  • SkyMiles aren't the most valuable airline currency
  • Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
  • Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Receive $2,500 Medallion? Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Delta SkyMiles? Platinum American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • Earn $1 Medallion? Qualification Dollar for each $20 of purchases made on your Delta SkyMiles? Platinum American Express Card in a calendar year and get a boost toward achieving Medallion Status for next Medallion Year.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • $120 Resy Credit: When you use your enrolled Delta SkyMiles? Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 each month in statement credits.
  • $120 Rideshare Credit: earn up to $10 in statement credits each month after using your Delta SkyMiles? Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required.
  • Enjoy your first checked bag free on Delta flights.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck? (through a TSA official enrollment provider) application fee, when charged to your Delta SkyMiles? Platinum American Express Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Delta SkyMiles? Platinum American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • No Foreign Transaction Fees.
  • $350 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
BEST NO-ANNUAL-FEE HOTEL CARD
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards

3 - 7X points
7XEarn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5XEarn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3XEarn 3X Points for all other eligible purchases on your Card.

Intro offer

Earn 80,000 points
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

Annual Fee

$0

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Hilton Honors American Express card offers complimentary Silver elite status and the opportunity to upgrade to Gold by spending $20,000 or more on the card each calendar year. Plus, earn bonus points on Hilton hotels and essential everyday purchases. You can then redeem your Hilton Honors points for free nights at your favorite properties.

Pros

  • No annual fee
  • Complimentary Hilton Honors Silver status
  • No foreign transaction fees

Cons

  • Unable to earn a free night award, unlike other Hilton cards
  • Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors? Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors? Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Apply for Hilton Honors American Express Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
BEST NO-ANNUAL-FEE HOTEL CARD
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

7XEarn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5XEarn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3XEarn 3X Points for all other eligible purchases on your Card.

  • Intro Offer
    Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.

    Earn 80,000 points

  • Annual Fee

    $0

  • Recommended Credit
    Credit ranges are a variation of FICO? Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

The Hilton Honors American Express card offers complimentary Silver elite status and the opportunity to upgrade to Gold by spending $20,000 or more on the card each calendar year. Plus, earn bonus points on Hilton hotels and essential everyday purchases. You can then redeem your Hilton Honors points for free nights at your favorite properties.

Pros

  • No annual fee
  • Complimentary Hilton Honors Silver status
  • No foreign transaction fees

Cons

  • Unable to earn a free night award, unlike other Hilton cards
  • Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors? Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors? Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees