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Updated July 13, 2015

Citi Hilton HHonors Reserve Card Review

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If you are a frequent traveler and enjoy staying at the Hilton chain of hotels, you may want to consider the Citi HHilton Reserve Card. When you use this card, you earn points toward free nights at Hilton hotels and resorts. This card also offers a number of other solid travel benefits. There is a $95 annual fee so read on to decide if it's worth it.

Overall Score







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Pros and Cons

  • 2 weekend night introductory offer
  • 1 weekend night anniversary offer
  • Gold status
  • No foreign transaction fee
  • $95 annual fee

Bottom Line

Excellent hotel credit card for frequent Hilton guests and world travelers

Rewards Program

When you make a purchase on your Citi HHilton Reserve Card, you earn HHonors Bonus Points. Since this is a travel card, you earn bonus points for travel purchases. You earn 10 points per dollar spent on hotel stays at a Hilton property. You earn 5 points for every dollar spent on rental cars and airfare. You earn 3 points per dollar spent on other purchases.

A free night at Hilton hotels costs as little as 7,500 points to as much as 105,000.

Signup Bonus

The Citi HHilton Reserve Card also offers a signup bonus to new cardholders. If you spend $2,500 on your card within its first 4 months, you receive 2 free weekend night certificates, good at select hotels and resorts within the Hilton portfolio. These free nights are good even at select Category 7 hotels. If you wanted to get these same free nights on points, it would cost up to 100,000 points, so this is a good deal.

The downside of this bonus is it can only be used on the weekend. Keep in mind the certificate does not cover tip, resort fees or incidental charges like room service. You must use the weekend night certificate within 12 months.

Related: Ideas on How to Meet $2,500 Promotional Spending Requirement

Renewal Bonus

You also get a bonus for keeping your card active. You need to spend at least $10,000 on your card during the year to get this renewal bonus. If you do, you receive another free weekend night at Hilton hotels.

Travel Benefits

Hilton Cancún
Hilton Cancún © Christian Van Der Henst S. (CC BY 2.0) via Flickr

This card also offers a couple extra benefits for when you travel. When you sign up for this card, you automatically receive Gold status at Hilton. With this status you receive free internet, free breakfast at select chains, and the chance for room upgrades when you stay at a Hilton hotel. Just getting internet access a few times can help justify this card’s annual fee.

In addition, this card also waives foreign transaction fees. Many credit cards tack on an extra fee when you make purchases in a foreign country. When you use this card, you won’t have to pay any extra charges while travelling abroad.


  • 2 weekend night certificates (good at select hotels and resorts within the Hilton portfolio) after you spend $2,500 within the first 4 months
  • 1 weekend night certificate on your card anniversary when you spend $10,000 each year
  • Automatically gives Gold status at Hilton
  • No foreign transaction fees


  • Charges an annual fee of $95; doesn’t waive the fee for the first year
  • Signup and renewal bonus nights are only good for weekends

Bottom Line

This is a great card for frequent Hilton visitors. Between the free hotel nights, automatic status at Hilton, and rewards program, this card earns its keep.

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David R is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Disclaimer: This content was first published on August 24, 2012. This content may have been updated on July 13, 2015. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check the issuer's website for updated information.

Disclaimer: The information for the Citi® Hilton HHonors™ Reserve Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Compare Citi Hilton Reserve Credit card to:

Starwood Preferred Guest Credit Card from American Express
Apply for Starwood Preferred Guest Credit Card from American Express
At American Express' Secure Site
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • New: No Foreign Transaction Fees on international purchases.
  • New: Receive free in-room, premium internet access. Booking requirements apply.
  • New: Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates.
  • Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95
  • Terms and limitations apply. See Rates & Fees
Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel RewardsBonus Airline RewardsNo Limits on RewardsEventsCar Rental InsuranceExtended Warranty Purchase ProtectionReturn ProtectionTravel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
15.24% - 19.24% variable
$0 introductory annual fee for the first year, then $95

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Hilton Cancún

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