75,000 Hilton Points And No Annual Fee

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Link: Citi® Hilton HHonors™ Visa Signature® Card

Hilton is unique as far as their co-brand credit card agreement goes, in that they have cards issued by both American Express and Citi. They’re the only hotel chain where that’s the case, and that means there are four types of personal credit cards available to consumers.

And one of the no annual fee versions of the card actually has a pretty compelling offer at the moment.

Increased sign-up bonus on the Citi Hilton HHonors Visa Signature Card

Hilton’s no annual fee Citi product, the Citi® Hilton HHonors™ Visa Signature® Card, is offering an increased limited time sign-up bonus. The offer is for 75,000 Hilton HHonors bonus points after making $2,000 in purchases within the first three months of account opening.

HHonors-No-Fee-75

Per the offer terms, the sign-up bonus is only available to those who have not opened or closed the card in the past 18 months.

The Citi® Hilton HHonors™ Visa Signature® Card isn’t the most lucrative out there in terms of return on everyday spend, both in comparison to the other co-branded Hilton credit cards out there, as well as compared to other cards in general.

The card offers the following points earnings structure:

  • 6x points for each $1 spent at any participating hotel within the Hilton portfolio
  • 3x points on purchases at supermarkets, drugstores, and gas stations
  • 2x points on everything else

Beyond that, the card offers some status benefits as well, including:

  • Complimentary HHonors Silver status for as long as you have the card
  • Fast track to HHonors Gold status after four Hilton stays within your first 90 days of cardmembership


View from the Hilton Queenstown

Benefits of having a no annual fee credit card

One of the big factors which contributes to your credit score is your average age of accounts.

That’s why it could make sense to apply for some no annual fee credit cards and keep them long term, so that you can keep your average account age as high as possible. That’s one of the things contributing to my high credit score.

So if you can pick up a no annual fee card to keep long term and it has a great sign-up bonus on top of that, it’s a “win,” in my book.

Comparing this to Citi® Hilton HHonors™ Reserve Card

Personally if I were to just apply for one co-branded Citi Hilton credit card, it would be the Citi Hilton Reserve Card. While it has a $95 annual fee, it is better in just about every way, including:

  • HHonors Gold status for as long as you have the card (which gets you free breakfast/club lounge access and more)
  • HHonors Diamond status when you spend $40,000 on the card in a year
  • A sign-up bonus of two free weekend nights at any property in the world (potentially worth up to 190,000 HHonors points)
  • An anniversary free weekend night bonus for any year in which you spend $10,000 on the card

The Citi® Hilton HHonors™ Reserve Card is the co-branded Hilton card I’ve had for years now, and it has served me well.

Hilton-Manchester-Deansgate-24
Receive complimentary lounge access with HHonors Gold status (on a space available basis)

Comparing this to other Citi cards

One major thing to consider before applying for this card is Citi’s limits on new credit card applications:

  • You can only apply for one Citi card every eight days
  • You can apply for no more than two Citi cards every 65 days

When it comes to applying for Citi cards, my top priority would be applying for the Citi Prestige Card, which I consider to be the hottest credit card out there. Other than that, this is a great option, given that it’s a limited time offer.

Bottom line

Ultimately this is a very nice increased sign-up bonus for the no annual fee Citi® Hilton HHonors™ Visa Signature® Card. While there are other cards I’d apply for first, 75,000 points is a great sign-up bonus for a no annual fee card. There’s huge value in holding onto no annual fee cards long term, and this is one of the better bonuses I’ve seen on such a card.

The last (and only) time the bonus was this high on this card was last September, so I’d imagine it would be a similar interval before we see a bonus like this.

So yeah, I’d seriously consider applying for this card if you value Hilton points and could use a no annual fee card to help build (or maintain) your credit score.

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Comments

  1. What Hilton Hotel is the best use for 75,000 Hilton points?
    Either most nights or best value for a top category.

  2. I have this card and it is frustrating as hell to use, Citi is a nightmare! I’ll check into a hotel and they’ll put a hold on my card while I stay there for the incidentals. I ALWAYS have to call Citi afterwards to get the hold removed because it doesn’t happen automatically. Citi will always say that the hold will go away usually within a week after I checkout and then I have to point out to them that I checked out over a month ago, which always seems to surprise them as apparently there system doesn’t have dates on it? Anyways, they have to go in and manually adjust the holds to get rid of them. So, for me, this card is a nightmare to use for hotels because it always means a call to Citi afterwards.

  3. @ Lucky I recently (like, 6 weeks ago) got this card on a targeted 50,000 bonus for $1,000 in 3 months – do you think they would let me move to the bigger bonus for the extra $1,000 spend?

    Also, there is a new offer for Amex Hilton HHonors card as well. Via Million Mile Secrets (http://millionmilesecrets.com/2016/02/18/best-offer-yet-earn-70000-hilton-points-and-no-annual-fee-with-the-amex-hilton-hhonors-card/), $1,000 in 3 months for 70,000 HHonors points.

  4. Does it hurt your credit score to cancel a credit card as soon as you’ve obtained the “sign-up” bonus? I don’t like having lots of credit cards. I sign up for a no first year fee credit card, spend the $2,000 – $3,000 required for the 50,000 (for example) bonus miles, get the bonus miles, then cancel the card. I wait the 18 months that most credit cards require before re-applying and doing the same thing. Does this hurt my credit score?

  5. I am similar situation. I signed up for Amex and the Citi Hilton cards when the bonuses were lower. AMEX said no on the matching of the bonus. Just messaged Citi, and will report back to success.

  6. @Mark: what you’re doing is called “Churning”. The act of churning CCs only hurts your credit score as much as your credit factors change (losing credit line will make your utilization ratio go up, which hurts your score, etc). But you aren’t penalized for the act of closing a card. In your case, i’d be more worried about banks starting to deny you or not give you bonuses because they’ve flagged you as someone who closes the card right after the bonus. You’re clearly in it for the points and not even trying their product out. At least keep the card for a year and then close it before the annual fee is due.

  7. Lucky, will it be a good idea to apply for Both Citi® Hilton HHonors™ Visa and Citi® Hilton HHonors™ Reserve Card using 2 browser trick? My last Citi bank application was AA card almost 2 years ago. i never applied for Hilton cards before.

  8. Any way to get city to match up bonus? I applied with 40K offer after 1K spend & was approved. Anyway I can get city to match up the offer?

  9. @ Jayesh as per @ Lucky’s suggestion above regarding the same issue (6 weeks ago I got the card on offer for $1,000 in 4 months for 50,000 Hhonors points) I sent Citi a secure message this morning asking about an upgrade. I’ll let you know what they say once they get back to me.

  10. I cannot get approved for this card and it irritates me. I have a good credit score 765 according to credit sesame the only bad mark is I have opened too many new accounts in the last 2 yrs. I applied 6 months ago was denied that day I got approved for the Amex Hilton card. tried again today was denied signed up for the Amex Hilton with an annual fee to get the HHonors points got approved $2k cl Is it possible that Citi just doesn’t want to give me another cc I have 3 from them in good standing 2 sears and the Simplicity card. I know every company has their own criteria but it annoys me somewhat because I want the points and somewhat because I don’t like being denied credit when I thought I had good credit. Has anyone else had this issue ?

  11. @Ever: You ask what the best use of Hilton points is. Most folks look at the top-end Hiltons and conclude they are a lousy point deal. And I agree with that . . . . but I tend to look at the bottom end Hiltons instead. For example, you can get a Cat 1 Hilton for only 5k points a night. Combine that with the fifth-award-night- free deal, and you could stay at a Cat 1 for up to 18 nights on the 75K bonus! OK, there are not that many Cat 1’s, and they are in a lot of strange places (beijing, egypt, indonesia,, etc.). But I stayed in the Cat 1 “Hampton by Hilton Panama City” for five nights and it was perfectly fine: clean, modern, a rooftop pool, and even a free, no-frills breakfast. But you could even go up to a Cat 4 H a nightilton (at 20k points), and with 80k points (easy enough got get with your bonus and spend) you could get 5 free nights there. So unless you only aspire to top-end hotels, I think the 75k bonus card does have quite a bit of value.

  12. If I apply for this card now, will it prevent me from getting the better Hilton Reserve card in a few more months?

  13. For someone who almost never stays in a Hyatt property, I am thinking about the Hyatt Visa or the Hilton Visa, both have an annual fee. This would become my everyday card for almost everything except Marriott, IHG and SPG stays, and purchases on AA. my goal is to earn Hyatt points since I can’t stay there on biz trips. I already have a Hilton AMEX with no fee. What do you guys think, Hyatt Visa or Hilton Visa?

  14. @ Lucky – Am I crazy? I can’t see free breakfast as a benefit for HHonors Gold status on the Hilton website.

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