Earn 75K Hilton Bonus Points On A No Annual Fee Card For A Limited Time

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Please check out our advertiser policy for further details about the partners we work with. Thanks for your support!

Link: Citi® Hilton Honors™ 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 Honors Visa Signature Card

Hilton’s no annual fee Citi product, the Citi® Hilton Honors™ Visa Signature® Card, is offering an increased limited time sign-up bonus. The offer is for 75,000 Hilton Honors 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 Honors card opened or closed in the past 24 months. This is defined as the action of opening or closing an account, rather than just having an active card. In other words, you can get the sign-up bonus on this card even if you have the Citi Hilton Reserve Card, as long as it has been open for at least 24 months. If you’re still confused about this rule, see my previous post on the subject.

The Citi® Hilton Honors™ 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 Honors Silver status for as long as you have the card
  • Fast track to Honors 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 Honors™ 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:

  • Honors Gold status for as long as you have the card (which gets you free breakfast/club lounge access and more)
  • Honors 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 Honors points)
  • An anniversary free weekend night bonus for any year in which you spend $10,000 on the card


The Citi® Hilton Honors™ 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 Honors 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 Honors™ 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 few 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 Honors points), or otherwise for the Citi® Hilton Honors™ Reserve Card (for the superior sign-up bonus for aspirational redemptions, as well as the ongoing perks offered by the 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. Need your expert advise here. Been in the US from May 2016. Initially got approved for Delta Gold AMEX then Hilton Honors AMEX and SPG AMEX. Been waiting to build good credit score to apply for a Visa / Master credit card. My credit score is now at 640. Do you think if I have chance for this card ?

  2. I don’t think your odds are high. I’d wait until you get it up to 680 at least, 700 to be more confident with no derogs.

  3. Quick and easy. Just got approved in literally 5 seconds. With my car insurance 6 month payment coming up in March, the $2,000 spend will be easy to reach. Who doesn’t need an extra 75,000 points in their account for free?
    Thanks for the tip!

  4. @ Ram – no I wouldn’t. I’ve been here nearly a year and citi turned me down for the AA card despite a fico of 710. I’ve got various Amex cards initially through their global transfer program. I managed to get a chase sapphire preferred, but to do that I had to open a checking account and use it as my primary account for 2-3 months before I became prequalified for a credit card. Unless you have citi checking, I doubt they will approve you.

  5. Thanks Lucky, excellent write-up. You answered all of my questions in your article. Its not often that I read an an article (generally speaking) & am fully satisfied.

  6. I have the same question as Jarrod. Except for the diff in sign up bonus, isn’t the Amex card superior very quickly because of increased gas/groceries/other points? Does HiltonHonors have airline partners? Thanks

Leave a Reply

Your email address will not be published. Required fields are marked *

* I consent to the collection of my name, email address, and content so that One Mile at a Time may manage comments placed on this site.