 How does a cash reward program work? Typically, the program awards points, "dollars" or a cash value based on the amount you charge. The rate at which you collect points varies depending on what you charge or where you charge it. Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.
Some programs offer a variety of rewards. Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.
The goal is to get you the consumer to use your credit card as much as possible. Why? FEES! The credit card issuer makes money from two sources each time you use their card. First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees. A recent survey found that nearly half of U.S. cardholders enrolled in a credit card rewards program have never redeemed their points. However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.
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Low APR: 2.9% for first six months of cardmembership, on Balance Transfer requests submitted with this application
Earn up to 50,000 HHonors® bonus points when you get the Card
Earn HHonors points with virtually every purchase
No annual fee
Travel Accident Insurance
Car Rental Loss and Damage Insurance
Receive 5 HHonors bonus points for each dollar spent at
Hilton Family hotels including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and more and for eligible purchases at supermarkets, drugstores, gas stations and more
Get 3 HHonors bonus points for each eligible dollar you spend everywhere else
Express Approval. Get a decision in less than 60 seconds.
No Blackout dates
Fundamentals of the Card
Make American Express and Hilton HHonors your travel team.
Accelerate your way to free travel with the Hilton HHonors Platinum Credit Card from American Express. You'll earn Hilton HHonors points toward free hotel stays and travel packages just for charging your purchases on the Card. Plus, you'll enjoy all the benefits you want in a credit card:
- 7,500 HHonors bonus points with your first purchase.
- 5 HHonors bonus points for every eligible dollar you spend at over 2,300 Hilton HHonors hotels worldwide
- 3 HHonors bonus points for every other eligible dollar you spend on purchases
- The option to extend payment with a low introductory APR for purchases
- American Express service at home and abroad
- American Express retail, travel and insurance benefits. 1
Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®: cards to your American Express®: Card account with no transaction fee! Then enjoy the low APR: 2.9% for first six months of cardmembership, on BT requests submitted with this application.
Unparalleled Customer Service, 24 hours a day
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.
How to Earn HHonors Points
Earn points with every stay and every purchase. From dining out to fueling your car, you can use the Hilton HHonors Platinum Credit Card from American Express wherever American Express Cards are welcomed. You earn three HHonors bonus points for every eligible dollar spent with the Card, five HHonors bonus points for using the Card to stay at any Hilton HHonors hotel, and 7,500 points as a Welcome Bonus! Plus, you'll be automatically enrolled in Hilton HHonors, the only hotel guest reward program that lets you DoubleDip®, so you can earn both Hilton HHonors points and airline miles at any of more than 2,300 participating Hilton®, Conrad™, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Homewood Suites® by Hilton and Scandic Hotels worldwide. 2
Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.
Your Online Year End Summary
Your Year End Summary of Charges, available online as of February 5, 2004, gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.
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