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August 24, 2012

Citi Hilton HHonors Reserve Card Review


If you are a frequent traveler and enjoy staying at the Hilton chain of hotels, you should 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. While you do need to pay an annual fee of $95 to keep this card active, you will easily make this money back in hotel benefits.

Citi Hilton HHonors Reserve Card
Apply for Citi Hilton HHonors Reserve Card
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
  • Go to issuer's official application, terms, and details
Introductory Bonus Hotel RewardsHotel RewardsBonus Hotel RewardsCar Rental Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$95*

Overall Score

4.0

Rewards

4.0

Fees

3.5

Benefits

4.5
5-point scale (the higher, the better)

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

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

A free night at some Hilton hotels costs little as 7,500 points. If you use your card often, you can get several free nights a year.

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 nights. 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 great deal.

The downside of this bonus is it can only be used on the weekend.

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

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 makes up for this card’s annual fee.

In addition, this card also waives foreign transaction fees. Most 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.

Pros

  • 2 weekend night certificates after you spend $2,500 within 4 months
  • 1 weekend night certificate on your card anniversary when you spend $10,000 each year
  • Automatically gives Gold status at Hilton
  • Waives foreign transaction fees

Cons

  • 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 definitely earns its fee.

Next Step: View the issuer's official application, terms, and details

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Disclaimer: This content was first published on August 24, 2012. This content may have been updated on August 27, 2012. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Citi website for updated information.

More Articles in Reviews

Citi Hilton HHonors Reserve Card
Apply for Citi Hilton HHonors Reserve Card
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
  • Go to issuer's official application, terms, and details
Introductory Bonus Hotel RewardsHotel RewardsBonus Hotel RewardsCar Rental Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$95*

Compare Citi Hilton Reserve Credit card to:

Citi Hilton HHonors Visa Signature Card
Apply for Citi Hilton HHonors Visa Signature Card
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsurancePurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency AssistanceIdentity Theft Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
14.24% - 16.24%* (Variable)
None

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.