Increased Bonus On No Annual Fee Hilton Card

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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.

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, as follows:

  • Earn 50,000 Hilton HHonors bonus points after making $1,000 in purchases within the first four months of account opening
  • Earn a $50 statement credit after spending $50 on your first stay at any hotel within the Hilton portfolio during 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 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

Benefits of having a no annual fee credit card

As I’ve explained before, 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.

While a 50,000 HHonors point sign-up bonus isn’t huge, it’s not half bad for a no annual fee credit card, in my opinion. Especially when you add in the statement credit as well.

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.

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 and Citi ThankYou® Premier Card, given that they both have awesome sign-up bonuses and are valuable for everyday spend.

Bottom line

Ultimately this is a 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, 50,000 points plus a statement credit isn’t a bad sign-up bonus for a no annual fee credit card.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.


  1. Do you know if you can get the bonus again if you currently hold the card (but have had it for much longer than 18 months) and open another one?

  2. @ Oliver — Yep, Gold members get lounge access based on availability, but otherwise get complimentary breakfast.

  3. I have never applied for a card just to get the sign up bonus but I will be signing up for this offer. Why am I making this exception? Because (a) I got rid of the HH Citi Reserve visa last year for being unreliable in awarding points for stays at Hilton properties that are supposed to earn 10HH/$ and with this offer I would replace the Citi Reserve with the older and more reliable NO-FEE Citi HH Visa Signature and (b) I have absolutely nothing to lose and 50,000 HH points to gain 🙂

  4. If I have the HH Reserve card already, can I get the HH Signature card too? Or am I limited to one of the two?

  5. Done! I just got approved instantly. Card and welcome material arriving within 1 week. Approved line of credit is $22K,which increases my credit-to-debt ratio, thus offsetting any hit on my credit score due to the “hard inquiry.”

    Oh, @Lucky, I applied using the link from your site too. Buy me a drink sometimes from the proceeds, will ya! 😉

  6. Cmon lucky, you and I both know the offer has been 50k for yearssssss now and the flyertalk link has always been legit. You’re like a 90% of the time reliable guy, but the other 10% of the time you BS your readers who don’t read FT into thinking they’re getting the best offer on your site or that it’s new. Lame-o.

    For everyone reading this, go to the thread on flyertalk. Most people are in the double digits of applying for this card… And when Lucky’s offer ends, the one on there won’t…

  7. @David — Well, for at least one person this post was useful. I’d been meaning to replace the HH Citi Reserve for a while but this post just convinced me to do it by getting me to think a bit about it and realize that I had very little to lose and 50K go gain. The post broke the inertia, so to speak…

  8. DCS, you could have 60K for the exact same terms instead of 50K. The offer Ben is pushing is worse than the one publicly noted on FT.

  9. @ DCS — Hah, thanks. Not sure I’d buy you a drink (I think you have enough Kool-Aid already), though would genuinely LOVE to buy you a meal at some point if we’re in the same city.

  10. I had 3 of the no fee cards…went ahead and canceled two after getting the last one. Got the amex no fee version, and then a year later got more points to upgrade (with no credit pull) it to a HH Surpass card. Surpass has the one advantage of 6X at grocery stores so $10,000 worth of giftcards ($120-$140 in fees) = 60,000 points….diamond status after 40k spend. Best use I have found, are the few all-inclusive Hilton resorts that run 60k a night certain times of the year…Rose Hall Jamaica is our favorite!!

  11. @Lucky, I already have this card. but I wanted to know your opinion, is it worth getting the Amex Surpass hilton card and mfr spend $40k in a yr to get diamond status? If I’m going to spend 95/yr on the card after the 2nd yr, might as well make useful spending on the card to get diamond? or should I mfr spend elsewhere on a different hotel card?

  12. @Lucky — Suppose I have a $2K Hilton hotel bill. Would it be legit for me to pay for half of it or $1K with this HH Citi Visa Signature card to meet the minimum spend requirement and pay for the other half with my HH AMEX Surpass to earn 12 points/$ rather than 6 points/$…if the hotel would let me?

    @beltway — If you are right, then the 10K difference is my cost, which I gladly pay, for having stopped to frequent FT a long time ago 🙂

  13. @Lucky’s primary reason for claiming that there is little difference between HH Diamonds and Golds is that they both get free breakfast. But that sets the status equivalence bar rather low because as a HH Diamond I usually sleep through free breakfast…in my suite upgrade, which is, as far as I am concerned, the more valuable perk that HH Golds cannot claim officially, although they sometimes get it. There is, of course, “Diamond Force” that is in my opinion the simply most valuable top-tier elite benefit in the business, and the recent WiFi perk whereby…

    – Hilton HHonors Diamond members will receive complimentary PREMIUM wifi starting in the second quarter of 2015 when booking directly through Hilton

    – Hilton HHonors Gold members will continue to receive complimentary BASIC wifi.

    …as reported by none other than @Lucky!

    So it is simply silly to keep cutting and pasting the canard that HH Diamond is the same as HH Gold. The two levels are, in fact, farther apart in the HHonors program than they in any other, except for Hyatt GP, which has only one elite level for all practical purposes.

    The real reason not to spend $40K to get a HH Diamond is not because it is not different from Gold, but because it would be utterly silly to pay $40K for a status that one can get for just $12K. Heck, for $40K, I have re-qualified for HH Diamond the last 3 years in a row!

    Although this should settle the debate, I guarantee you that @Lucky will do another similar cut and paste when there is anything to report about HHonors. Fortunately, we’ve been seeing such false and outdated claims about the HHonors program and elite levels in fewer and fewer posts here and elsewhere. 😉

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