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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
    American Express
    Co-branded Hilton card
    Eligible purchases at Hilton hotels and resorts
    7.0%14x points
  2. #2
    American Express
    Co-branded Hilton card
    Eligible purchases at Hilton hotels and resorts
    6.0%12x points
  3. #3
    American Express
    Co-branded Hilton card
    Eligible purchases at Hilton hotels and resorts
    3.5%7x points
  4. #4
    Chase
    4x points on hotels
    Hotels booked directly
    5.0%4x points
  5. #5
    Citi Custom Cashif it’s your top category
    Citi
    5% on travel if it's your top eligible spend category that cycle (up to $500/month, then 1%)
    Automatically on your top eligible spend category each billing cycle
    5%
  6. #6
    Wells Fargo
    5x points on hotels
    5.0%5x points
  7. #7
    U.S. Bank
    4x points on travel
    Also gas stations and EV charging, up to $1,000/quarter
    4.0%4x points
  8. #8
    American Express
    3x points on travel
    3.6%3x points
  9. #9
    American Express
    3x points on hotels
    Direct hotel purchases
    3.3%3x points
  10. #10
    Lead Bank
    3x points on hotels
    Hotels (also earns on private charters and luxury car rentals)
    3.0%3x points