The Hilton Visa with no annual fee: Is the Citi HHonors Visa Signature your best bet for free nights?


Citi is no longer issuing new Hilton Honors Surpass Visa Cards. Instead, consider the Hilton Honors™ Card from American Express, or the Hilton Honors™ Surpass® Card from American Express. If your Citi Hilton Honors Card is open and eligible, it will automatically be replaced with a Hilton Honors American Express Hilton Card in January 2018. 

No annual fee. This is an easy way to rack up points toward free nights without worrying about a fee.

Thousands of hotels available. You can use points for free nights at all Hilton, Waldorf Astoria, Conrad, Canopy by HIlton, Curio, Doubletree, Embassy Suites, Hilton Garden Inn, Hampton Inn, Homewood Suites, and Home2 Suites hotels.

Easy to earn Hilton points. Hilton points are easy to earn, thanks to 2x points on all purchases with this card, plus 6x on Hilton spending and 3x at supermarkets, drug stores, and gas stations. On top of that, there are several other cards that earn Hilton points, and holding more than one can help you rack up points fast.



Not the most powerful card for Hilton points. While at least 2x points on all your spending sounds good, it’s actually less than what other cards that earn Hilton points offer. Some carry an annual fee, but the no fee Hilton HHonors Amex earns at least 3x points on all your spending.

Hilton requires a lot of points for free nights. The nicest hotels can require almost 100,000 points for a free nights, and many require 40,000 – 60,000 points for one night. Compare that to Hyatt or Starwood where 10,000 – 20,000 points gets you free night at a lot of their upscale hotels, and you can see how the easy earning of Hilton points can be diminished by high prices for a free night.

Overall Rating
3/5 Stars   
Key Features
  • Earn 6 HHonors Bonus Points for each $1 spent at any participating hotel within the Hilton Portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • Enjoy the benefits of HHonors Silver status as long as you are a cardmember*
  • No annual fee

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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