How do I earn Hilton Honors American Express points?
Earn 80,000 Bonus Points after you spend $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
Is the Hilton Honors credit card a good deal?
Featuring 7x points per dollar on eligible Hilton purchases and complimentary Hilton Honors Silver status, the card is a solid option for new cardholders loyal to the hotel chain, although there are other travel cards that offer more points flexibility. Card Rating*: ⭐⭐⭐½
What's the most competitive credit card against the Hilton Amex?
The most competitive card against the Hilton Amex depends on what’s most important to you in a credit card. If you prefer to spread the hotel love among different brands, then the no-annual-fee Capital One VentureOne Rewards Credit Card is a great alternative, as you can redeem your miles for any travel at a flat rate of 1 cent each.
How does the Marriott Bonvoy bold compare to Hilton Honors American Express?
The Marriott Bonvoy Bold® Credit Card, like the Hilton Honors American Express Card, comes with no annual fee and no foreign transaction fee. Welcome bonuses have historically been comparable for these products after accounting for differences in point values between the two programs.
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What is a reasonable settlement offer on a credit card?
When you're negotiating with a creditor, try to settle your debt for 50% or less, which is a realistic goal based on creditors' history with debt settlement. If you owe $3,000, shoot for a settlement of up to $1,500.
How do you beat American Express in court?
Find out how you can win against American Express in court....Don't Ignore a Debt Collector Like American ExpressPlace a lien on your personal property.Freeze your bank accounts.Garnish your wages.
How hard is it to get a Hilton Honors American Express card?
You'll have the best approval odds if you apply for the Hilton Honors American Express Card with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher).
What percentage will creditors settle for?
Some want 75%–80% of what you owe. Others will take 50%, while others might settle for one-third or less. Proposing a lump-sum settlement is generally the best option—and the one most collectors will readily agree to—if you can afford it.
What percentage does AMEX settle?
When it comes to negotiating your Amex debt with collection agencies, your experience will vary based on the particular agency. You can probably expect to settle for 30% – 60% of the original balance. Factors like length of repayment and time since the last account activity help drive the ultimate settlement amount.
Does American Express offer settlements?
Even though we cannot guarantee that American Express will settle your outstanding debt, from experience working with creditors and with our clients that've had outstanding debts with American Express, it's most likely that they would be willing to settle your outstanding debt for one lump sum payment.
What credit score do I need for Hilton Honors American Express Surpass card?
700You need a credit score of at least 700 to get the Hilton Honors Surpass card. People with good credit scores have a better chance of being approved, but having a certain score doesn't guarantee that your application will be approved.
Will American Express give me a second chance?
Yes, there is an Amex reconsideration line for applicants to call and request a second review of their denied American Express credit card application. The Amex reconsideration line is (800) 567-1083.
Do you have to pay off Hilton Honors American Express every month?
WalletHub, Financial Company No, you don't have to pay off all American Express card every month. Most Amex credit cards allow you to carry a balance from month to month, requiring only a monthly minimum payment to keep your account in good standing. Some even offer 0% introductory APRs.
What is the 11 word phrase to stop debt collectors?
If you need to take a break, you can use this 11 word phrase to stop debt collectors: “Please cease and desist all calls and contact with me, immediately.” Here is what you should do if you are being contacted by a debt collector.
Will debt collectors settle for 30%?
Lenders typically agree to a debt settlement of between 30% and 80%. Several factors may influence this amount, such as the debt holder's financial situation and available cash on hand.
What is a reasonable full and final settlement offer?
It depends on what you can afford, but you should offer equal amounts to each creditor as a full and final settlement. For example, if the lump sum you have is 75% of your total debt, you should offer each creditor 75% of the amount you owe them.
Does American Express offer hardship program?
Yes, American Express has a hardship program called the Amex Financial Relief Program. Amex hardship relief aims to make payments easier for customers having money problems by offering plans with temporarily-reduced monthly payments and interest rates.
What happens if I dont pay Amex?
For each following Closing Date that an amount past due remains unpaid, we may charge a fee of the greater of $38 or 2.99% of any past due Pay In Full amounts. Your late fee will not exceed the Amount Due or any limit established by applicable law. Paying late may also result in a penalty APR.
Can American Express garnish wages?
Yes, your wages can be garnished over an unpaid credit card debt—especially if the debt ends up going to collections. Although many people associate wage garnishment with unpaid child support, defaulted student loans or back taxes, courts can also order your wages to be garnished over an outstanding credit card debt.
Does American Express use a collection agency?
Nationwide Credit is a primary collection agency used by American Express.
What are 80,000 Hilton Honors points worth?
80,000 Hilton Honors points are worth approximately $400 or 0.5 cents per point.
Can I upgrade my Hilton Amex card?
You may be eligible to upgrade your Hilton Honors card if you've received a targeted offer from American Express. To find out if you've received a...
How do I link my Hilton Honors card to Amex?
After you're approved for the Hilton Honors card, you'll have an opportunity to set up online access to your card account on the American Express w...
Does the Hilton Honors American Express Card have a balance transfer offer?
No, there is no introductory 0% APR offer available with the Hilton Honors American Express Card.
Who is the Hilton Honors Credit Card for?
This card is the best fit for travelers that infrequently stay at Hilton properties but want to enjoy enhanced Hilton Honors loyalty benefits and avoid an annual fee.
Other Hilton Honors Credit Card Benefits
These additional benefits add more value to carrying this card in your wallet as you make everyday purchases and book travel.
Redeeming Hilton Honors Points
There are several ways to redeem the Hilton Honors points you earn from card purchases. All earnings deposit in the linked Hilton Honors account for the basic cardmember.
Card Fees
You won’t pay an annual fee or any foreign transaction fee but some fees still apply.
Hilton Honors Credit Card Compared to Similar Cards
You might find more value from these other rewards cards. For example, some do not charge an annual fee just like the Hilton Honors American Express Card.
Should you apply for the Hilton Honors American Express Card?
For a no fee rewards card, it offers a lot.
How much does a Hilton Honors Aspire card cost?
The biggest spenders may want to consider the Hilton Honors Aspire Card from American Express, which charges a $450 annual fee but offers a wide array of benefits worth much more. Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership. The Hilton Honors Aspire Card from American Express also boasts a variety of credits, including a free weekend night every calendar year as well as up to a $250 Hilton resort statement credit – all of which more than offset the high annual fee if you take advantage of them.
What is a Hilton Honors card?
The Hilton Honors American Express Card is one of a few credit cards tied to the Hilton Honors loyalty program. If you use the card to earn the welcome bonus and stay at a Hilton property, you can tap into any of the other bonus spending categories. For example, the Silver Status you get with the card upon enrolling in the Hilton Honors program ...
How does Valuepenguin calculate rewards?
How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
How many Hilton Honors points do you get for each dollar you spend?
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
What is the APR of Chase Sapphire?
The Chase Sapphire Preferred® Card has an APR of 15.99% - 22.99% Variable, carries a $95 annual fee and $0 foreign transaction fees, plus offers a slew of travel friendly perks and protections.
How many times does "eligible" appear on a Hilton card?
As with any credit card, it's critical to have a firm grasp of what "eligible" means (the word appears 49 times in Hilton Honors American Express Card's 7,000-word terms and conditions). Study the terms and conditions carefully to make sure you understand what will and will not generate points for you.
How many points do you get on Hilton Honors?
The new, increased welcome offer on the Hilton Honors American Express card gives cardmembers a chance to earn up to 130,000 bonus points. You’ll earn 80,000 points after you spend $1,000 in purchases in the first three months of card membership. Plus, you can earn an additional 50,000 points after spending a total of $5,000 in purchases on the card in the first six months.
How much does a Hilton Honors card cost?
If you want to stick with Hilton Honors and are comfortable paying an annual fee, the Hilton Honors American Express Surpass Card is a strong contender with a $95 annual fee (see rates & fees ). With this card, you’ll earn 12x per dollar spent on eligible Hilton purchases, 6x at U.S. restaurants, U.S. supermarkets and U.S. gas stations, and 3x on all other eligible purchases.
How many Hilton Honors points do you get for each dollar you spend?
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
How long does it take for Shoprunner to give free shipping?
ShopRunner gives you free two-day shipping on eligible items at a network of more than 100 online stores after enrolling at shoprunner.com/americanexpress. Enrollment required for select benefits.
What happens when you use a rental car card?
When you use the card to reserve and pay for a car rental and decline company insurance, you’re covered against damage and theft. This benefit is secondary coverage to your own auto insurance and doesn’t include liability.
Is Hilton Honors Amex a good card?
But the Hil ton Honors American Express Card is a good starter card for those looking to maxim ize the loyalty program’s benefits without paying an annual fee (see rates and fees) — especially with the current increased welcome bonus. Application link: Hilton Honors Amex available for up to 100,000 bonus miles.
Does Hilton Honors Amex have free weekend nights?
Unlike the other Hilton credit cards, this one doesn’t come with a free weekend night. But the Hilton Honors Amex gives you plenty of options to redeem your points, including airfare, rail travel, car rentals, unique experiences, all-inclusive resorts, vacation packages, golf, shopping, dining and donations to charity.
How do I earn Hilton Honors Points?
After you complete an eligible stay at a hotel or resort within the Hilton Portfolio, you earn 10 Hilton Honors Base Points for every US dollar spent on your room rate and other eligible room charges, including telephone calls and room service.
Will I earn Hilton Honors Points for standard room rewards, premium room rewards, or Points & Money reward stays?
The money spent on the room rate portion of Points & Money Rewards will be considered an eligible folio charge for which Points will be issued. Determining all other incidental charges that count towards earning Hilton Honors Points varies by brand and type of charge. Please see the Hilton Honors Terms and Conditions for details.
How do I reach Hilton Honors elite status?
When you reach Silver, Gold or Diamond status, you receive the added recognition and rewards of elite status — including extra Hilton Honors Bonus Points for every qualifying stay, special on-property benefits and recognition, and exclusive reward opportunities.
Do I need to be a Hilton Honors Member to find out about hotel rates?
No. You can still research hotels and rates without enrolling. However, as a Hilton Honors member, you may be eligible for special rates which are visible only when you are signed-in to the website. Making a reservation is also easier as a Hilton Honors member since your profile information can be automatically entered into forms.
How did Hilton Honors decide on the password requirements?
Our approach aligns with industry best practices and is recommended by the FTC.
Can my spouse and I share one Hilton Honors account?
No. As of 1 April 2004, multiple members may not share an account. Hilton Honors members who have a Mutual Fund account as of 31 March 2004 will continue to receive Mutual Fund benefits.
Will my Hilton Honors account stay open even if I do not stay at hotels within the Hilton portfolio?
If you do not have eligible activity in any consecutive 12-month period, your accumulated Points will be subject to forfeiture. Your account may be reactivated by taking one of the following actions:
How long does Amex take to pay off a credit card?
If you pursue this option, Amex will work with you to setup a payment plan spanning from six to 12 months, depending on the debt. You can pursue this option for your unsecured debt (personal loan or credit card) via online chat or by calling customer service at 1-866-703-4169.
How to negotiate a credit card debt?
Before negotiations begin, use the credit card (s) in question only for essentials and attend a credit counseling session to learn about your options. This will show the creditor that you are acting in good faith and only pursuing debt settlement as a last resort. This will go a long way in improving your chances for a more favorable debt settlement.
What is the difference between debt management and debt settlement?
The biggest differences between debt settlement and debt management are the amount of debt paid off and how long it takes. Other key differences between debt settlement and management include their credit impact, tax consequences, payment frequency and amount, and fees, among others. Debt settlement is the process of negotiating.
What happens if you settle a debt over 180 days?
If your account is over 180 days past due, you’re more likely to interact with a collection agency.
What percentage of debt is accepted in a settlement?
The percentage of a debt typically accepted in a settlement is 30% to 80%. This percentage fluctuates due to several factors, including the debt holder’s financial situation and cash on hand, the age of the debt, and the creditor in question. The debt settlement company you decide to work with pl
How much of the original balance can be settled by National Debt Relief?
ays an important role, too. For example, National Debt Relief has been able to settle debt for as low as 30% of the original balance, but could charge fees as high as 25% of that original balance. Additionally, while Donaldson Williams may reach a settlement as high as 60%, their fees are low at 17%.
What happens when you negotiate with creditors?
Your financial situation. In the process of negotiation, creditors will try to ascertain your financial situation and amount of cash on hand. Greater disposable income and available cash will generally lead to a lower percentage of forgiven debt. This makes sense; creditors want you to pay off as much debt as you can.
Gina Marte, WalletHub Advisor
This answer was first published on 08/31/20 and it was last updated on 01/21/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Hilton Honors American Express Card
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm.
Amex Hilton Honors approved!
A bit of a story to begin: I was showing prequalifed offers from Amex back when my scores were sub 550 and I applied....instant decline. Once my EX reached 670+, I checked prequal and had no offers. I cold apped the BCE last month and was approved with EX 673.
Re: Amex Hilton Honors approved!
Congratulations on your Amex approval!! Hopefully that SL will grow for you.
Re: Amex Hilton Honors approved!
Congrats on your 2nd AMEX card. Pretty confident since you're already a cardholder you'll receive no HP for the application.
Re: Amex Hilton Honors approved!
Thanks for your data points. After I finished reading I went to Amex and logged into my account to see offers. I clicked on SPG to apply and it showed pre approved so I pulled the trigger and I was approved for $1000 and no HP!!! I clicked on multiple cards and all of them showed preapproved.
Re: Amex Hilton Honors approved!
That's awesome @zues. I try to be specific about things as I know others are searching the forums looking for things based on similar situations. I know I've done that quite a bit before applying for some of my cards.
Is The Card For You?
If you’re searching for a hotel card without an annual fee, the Hilton Honors American Express Card matches up favorably against its peers. However, those who frequently stay at Hiltons should take a close look at the Hilton Honors Surpass Card. In spite of the $95 annual fee, the Surpass card can be a more rewarding choice.
How many Bonvoy points do you get with Marriott?
However, where the Marriott Bonvoy Bold Credit card falls short is in everyday earning power. You can earn 3 Bonvoy points per dollar spent at Marriott hotels and 2 Bonvoy points per dollar spent on travel but the bonus categories end there. Most Americans spend so much at grocery stores, gas stations and restaurants that in terms of pure earning power the Hilton Honors American Express Card comes out ahead.
How many Hilton Honors points do you get for each dollar you spend?
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
How much are Hilton Honors points worth?
Hilton Honors points typically are worth at least 0.5 cents per point, so when spending on those categories you effectively earn at least 2.5% in points, which is a solid earnings rate, especially for a card with no annual fee.
How many points do you get on a Hilton Honors card?
With this card, you’ll earn 12 Hilton Honors points per dollar at participating Hilton properties, and 6 points per dollar spent on U.S supermarkets, U.S. gas stations and U.S. restaurants, an improvement over the Hilton Honors American Express Card. All other spending on the Surpass earns 3 points per dollar.
Why is it important to shop around when redeeming Hilton Honors points?
Because there is so much variation, it’s important to shop around when looking to redeem your Hilton Honors points. In a big city, you’ll likely find multiple options so it’s good to find the option best suits your needs.
When does the Hilton Honors offer expire?
Offer expires 8/25/2021. Although Hilton Honors points don’t carry as much value as other hotel points, the welcome bonus will still cover a night or two at many Hilton hotels. You also earn 5 Hilton Honors points per dollar spent at U.S supermarkets, at U.S. gas stations and at U.S. restaurants.