Limited Time: No Annual Fee Hilton Visa 75K Point Sign-Up Bonus

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Update: This offer for the Citi® Hilton HHonors™ Visa Signature® Card is expired. You can find the current offer details here.

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.

One of the no annual fee Hilton cards has a pretty compelling offer at the moment, which is the highest offer we’ve seen on the card (though we saw the same offer earlier in the year).

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.

 

Per the offer terms, the sign-up bonus is only available to those who have not opened or closed the card in the past 24 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.

Credit score breakdown

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

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.

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. Is there any concern with “too” many Citi cards? If one already has a substantial line of credit, would it make sense to lower limits on other Citi cards? Also, can you have more than one no annual fee Hilton Visas at a time? I already have one, but more Hilton points would be nice.

  2. I dont know about a number cap on citicards. There is a cap on credit citi will extend though so lowering credit lines is probably a good idea if you are near the ceiling.

  3. do I have to wait 2 years to get the 2 free nights on the Citi® Hilton HHonors™ Reserve Card?

  4. I already have the HHonors Amex card, but I can still sign up for this Citi card right? and the miles will go into the same HHonors account right? No penalty there? In addition if I wanted to get the card with 2 free nights, I could get that as well since it’s a different card, right?

  5. Does anyone know if there’s a business version of this card? I’d love to double up on the 75k, but I already applied for the personal one.

    Thanks in advance

  6. Lucky, you should do a post for reference of the highest signup bonuses historically you know of for each card, it’d be really helpful for times like this when I am wondering if I should pull the trigger or if there is potential of it going higher again at some point or when someone is new to the hobby and sees a 50k offer on a card and thinks its amazing only to realize there has been a 75k offer historically. I know you often post when there is a great offer but might be helpful to compile a list like this for those who want to hold out for as good of an offer as they can get.
    Just a thought, or does anyone know of a list like this that already exists somewhere?

  7. @TD, Agreed. lucky, posting historical offers would be a big help. I find myself searching all the time. In some of your past posts you have included a list of links to previous articles regarding signup bonuses and just the titels alone with the dates would be great!

  8. I have a question I’ve never seen before, though i can probably guess the answer. Ive had the Hilton AMEX for a decade and get Diamond status every year. I want to switch to the Delta AMEX and then get the Hilton Citi Reserve instead. But I’m halfway through the year. Will my spend requirement to achieve Diamond start all over?

  9. Hilton “published” points range for each category is a “sham” and “disingenuous” to say the least. A room in the 95K category can change to 275K depending what the Hotel feels for high season as opposed to SPG without any blackout dates with points staying the same.

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