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Citi Hilton HHonors Reserve Card

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Highlights

  • Earn 2 weekend night certificates, each good for 1 weekend night (standard room, double occupancy) at select hotels and resorts within the Hilton HHonors portfolio; after $2,500 in eligible purchases within the first 4 months of card membership 
  • 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 
  • 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 card member 

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
N/A 15.24%* (Variable) $95 N/A
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: N/A
  • Balance Transfer Rate: 15.24%* (Variable)
  • Cash Advance Rate: 25.24%* (Variable)
  • Late Fee: Up to $35
  • Cash advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Citi Hilton HHonors Reserve Card Review

The Citi Hilton HHonors Reserve Credit Card is another Citi premium rewards credit card, this time involving the Hilton series of hotels.  This credit card is "Reserve" version of the Citi HHonors Visa Signature Card , which we also think is a great credit card.

So what does that mean?  The Citi HHonors Reserve Card provides 10 HHonors bonus points for hotel stays with Hilton HHonors hotels as opposed to six, in addition to 5 HHonors points on airline and car rental and 3 HHonors points for all other purchases.  This is a full 10% cash back towards Hilton Hotels Stays when booking with this card - probably the most attractive point system we've seen of all of the available hotel credit cards.  Combine that with 3% HHonors points on all other purchases and you have a credit card that is going to rack up free hotel stays very, very quickly.  

In addition to the great points rewards, this card provides HHonors Gold Status, no foreign transaction fees, and Travel Elite Status when using the card (in addition to Diamond Status when spending over $40,000 per year through the credit card, a fantastic perk).  It also has great travel services, including trip cancellation insurance, lost luggage, zero technology fees, and 24 hour concierge services.

The only caveat is the somewhat steep Annual Fee of $95, but with 2 weekend night certificates (two free nights) after spending $2500 on the credit card in the first 4 months, we think that the annual fee is more than worth it.  All in all, this is one of the most attractive hotel points credit cards on the market today.  If you stay at Hilton hotels and travel regularly, you should be using this credit card.