Limited Time: 75K Hilton Points & 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.

An increased sign-up bonus has just been announced on one of their no annual fee cards.

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, you only qualify for the sign-up bonus if you haven’t had any Citi Hilton HHonors card opened or closed in the past 24 months (this is a recent policy change at Citi).

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 that 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.

Receive complimentary lounge access with HHonors Gold status (on a space available basis)

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.

We’ve seen this increased bonus a couple of times in the past, and this is as good as it gets. If you don’t have either card yet, I’d seriously consider applying for this card (for the positive long term impact it will have on your credit, as well as the ability to earn HHonors points), or otherwise for the Citi® Hilton HHonors™ Reserve Card (for the superior sign-up bonus for aspirational redemptions, as well as the ongoing perks offered by the card).

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  1. This offer has been around for at least 2 weeks now, when I was approved on Sept 15th I got this offer.

  2. Can I still take advantage of this card and its rewards if I already have an Hilton Honors American Express?

  3. 75,000 points sounds like a lot, and this isn’t a bad deal given the zero annual fee. But HH points are just about the least valuable points out there when measured in $$ terms, and 75,000 points won’t even get you one night in one of their better properties.

    As an example, if you swap HH points into Avios, you get 7,500 Avios.

  4. Am I the only one for whom the online form to apply for the Citi Hilton HHonors Visa Signature card doesn’t work? It keeps prompting and re-promting me for my social and to set a security question, despite having entered them. Tried multiple times with different browsers without success. And of course via phone they can only find the 40k bonus one, not 75k. At a loss here…

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