Advertising Disclosure *Advertising Disclosure: is an independent, advertising-supported comparison service. receives compensation from the credit card issuers whose credit card offers appear on the website. The compensation may impact the order in which they appear within listing categories. does not include the entire universe of available credit or financial offers.

About Editor's Picks: Our editor selects credit cards based on the features the credit card offers consumers, including introductory rates, fees, long term interest rates, and its relative value compared to competing offers. While this site receives remuneration from credit card companies, our rankings strive to objectively provide consumers with relevant, unique options.

Citi Hilton HHonors Reserve Card Review

Smart Balance Transfers provides in-depth information and insights into credit cards. While we do accept Smart Balance Transfers provides in-depth information and insights into credit cards. While we do accept compensation from credit card companies when consumers visit their websites, we have striven to provide unbiased reviews since 2007.

Citi Hilton HHonors Reserve Card Review

The market for airline affiliated reward cards is competitive, but only to a certain degree. Airlines rarely enjoy much profit and they know that their best customers are locked into the hub cities that they serve.

On the other hand, hotel chains know that their most frequent guests can quickly switch their loyalty by choosing a different brand on their next trip. Hilton, which has previously offered three different credit cards affiliated with their HHonors reward program, has just introduced its Citi Hilton HHonors Reserve Card. This new product offers attractive features for international travelers.

How the Hilton HHonors Reserve Card Works

New cardholders receive certificates valid for two free weekend nights after spending $2,500 in their first four months of card membership. After that, 10 HHonors points are earned for each dollar spent at Hilton properties, which include Hampton Inns, Embassy Suites, and the Waldorf Astoria. Five points per dollar are earned for airline and rental car purchases, and three points per dollar are earned on all other transactions.

Cardmembers immediately receive Gold status in the HHonors program and are upgraded to Diamond status when they spend $40,000 in a calendar year. In addition, cardholders will also receive an anniversary bonus of one weekend night when they spend $10,000 in a year. There is a $95 annual fee for this card, but there are no foreign transaction fees. In fact, this card even comes equipped with an EMV chip that allows it to be used at unattended kiosks in Europe. The standard APR for this card is equal to the Prime Rate plus 10.99%, and there is no promotional financing currently being offered.

You can lean more below:

Please wait

Advantages & Disadvantages

There are a huge amount of bonus points to be earned from this card, although Hilton points are worth less than their competitors. Nevertheless, their award nights start at 7,500 points and go up to 60,000 for their most expensive properties during peak season. Yet even when earning three points per dollar on most purchases, cardmembers could earn a free night at a Waldorf Astoria for only spending $20,000. This compares favorably to the value of a domestic round trip ticket that can be earned by spending $25,000 on an airline card.

On the downside, this card has a $95 annual fee which is not waived the first year. Also, there are no promotional financing offers for this card.

Who this card is for

The Citi Hilton HHonors Reserve Card is ideal for frequent guests of Hilton properties as well as international travelers who need an EMV chip and want to avoid foreign transaction fees. By offering plenty of free nights and bonus points, the Hilton HHonors Reserve card is a good way to stay on top of the hotel points game while reducing foreign travel costs.


Editor's Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Citi or any of the other companies whose products are featured in this content.

About the author

Jason Steele

Jason Steele is a freelance journalist specializing in personal finance and travel and is recognized as an expert in credit cards. He is a regular contributor to many of the top personal finance sites such as Wise Bread and Money Talks News. His work has been frequently carried on mainstream news outlets such as MSN Money, Yahoo, Finance, and Business insider.

Jason lives in Denver Colorado with his wife and two daughters.

– has written 350 posts.

Leave a Comment

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Previous post:

Next post: