75,000 Hilton Points And No Annual Fee

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. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, including American Express, Capital One, Chase, and Citi, and thanks for your support!

Update: These offers for the Citi Premier℠ Card and the Citi Prestige® Card have expired. Learn more about the current offers here.

Update: Hilton has revamped their co-branded credit card products, and the cards mentioned in this post are no longer available. You can find information on the new Hilton credit cards here.

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.

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 highest I’ve ever seen on the card:

  • Earn 75,000 Hilton HHonors bonus points after making $2,000 in purchases within the first three months of account opening

Per the offer terms, the sign-up bonus is only available to those who have not opened or closed the card in the past 18 months.


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

Views from Hilton Budapest

Benefits of having a no annual fee credit card

As I’ve explained before, one of the big factors which 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.

While a 75,000 HHonors point sign-up bonus isn’t huge, it’s great for a no annual fee credit card, in my opinion.

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)

Comparing this to other Citi cards

One major thing to consider before applying for this card is Citi’s limits on new credit card applications:

  • You can only apply for one Citi card every eight days
  • You can apply for no more than two Citi cards every 65 days

When it comes to applying for Citi cards, my top priority would be applying for the Citi Prestige Card and Citi Premier℠ Card, given that they both have awesome sign-up bonuses and are valuable for everyday spend.

Bottom line

Ultimately this is a 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 isn’t a bad sign-up bonus for a no annual fee credit card in general, and is especially good for this card.

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  1. Just to put a bit of a finer point on how much better this is than previous offers, here’s what Gary Leff had to say:

    “I once saw a 60,000 point offer for this card. Normally their ‘strong’ bonus is 50,000 points, and this is 50% more than that which is pretty good for a no fee card.”

    In my case, at least, it seems like a no-brainer to pick up a no fee card that’s offering 50% more points than its usual best. I don’t really have any application activity planned til November/December, so I’ve been in wait and see mode to see if something unusual popped up. This fits the bill.

    Thanks to you and Gary both for posting about it.

  2. As I’d indicated here before, I did pick up this card a month ago when it was offered with a 50K sign up bonus. Disappointed that the offer increased so much less than a month after I got the card and before I’d even put a single penny on it, I called the number on the back of the card to ask about being upgraded to this better offer (I am doing a 5-night redemption at the category 10 Conrad Koh Samui at the end of the year and need to rake in the points!). They told me that I had to “officially” request the sign up bonus upgrade, which the agent did for me on the phone and told be that a decision of whether or not I’d been approved would be communicated to me by snail mail in about 10 days. We’ll see…

    BTW, they were able to consider me for the upgrade because I had not yet spent a penny toward meeting the minimum spend for the offer I’d been initially approved for.

  3. An interesting FYI, some Conrad properties will not allow Gold HHonors members to recoup complimentary upgraded accommodations. One example is the Conrad Maldives Rangali Island.

    This is a very significant loss of service, has anyone had success achieving an alternative benefit in lieu?

    For anyone experiencing this, be them a frequent traveler/paying cardholder or both I am sure this is very unfortunate.


  4. Lucky,

    Can you transfer hilton points between spouses?

    Can i apply for this card if i have the Citi Hilton Reserve Card?

  5. Any word if you are able to get multiple of these? Or is it the 18 month since last opening or closing a card. I know in the past you could get a couple.

  6. @ ddrabk — Yep, you can earn the bonus even if you have the Citi Hilton Reserve Card. That being said, there’s no way to transfer Hilton points for free.

  7. i used your link and got approved instantly. it was an easy decision to apply since there is no AF.
    thank you, Lucky.

  8. If I sign up for a Citi and Amex Hilton credit card at the same time, can I link both to the same Hilton account or do I need to open a second one in my name? If a second Hilton account is required, can I combine the points later? Thanks!

  9. does it make sense to get if I don’t know how I will use the points. I have a Hilton stay on no points in one week so I could accrue some points by using this card. But I have no other vacation plans. Do the points expire?

  10. @ Debbe — They don’t expire as long as you have at least some account activity every 12 months.

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