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Citi® Hilton HHonors® Visa® Signature Card Review
Issued by CitiBank
  
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Overall Rating:
Benefit Rating:
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The Citi® Hilton HHonors® Visa® Signature Card, issued by Citibank, offers cardholders the opportunity to take advantage of the Hilton HHonors® reward program as well as many signature benefits.
The reward program is by far the most attractive benefit of the card, and it is ideal for those who frequently stay at Hilton HHonors® hotels. The card rewards cardholders with six Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton Grand Vacations Club®, Homewood Suites by Hilton® and The Waldorf=Astoria Collection™ hotels worldwide; three Hilton HHonors bonus points for each $1 spent on purchases at supermarkets, drugstores and gas stations, and earn two Hilton HHonors bonus points for each $1 spent on all other purchases (see website for participating hotel chains).
There is no yearly limit to the number of points that can be earned, and points do not expire provided that a transaction is made with the card within a year or at least one stay in a Hilton Hotel is made within a year. New applicants receive 15,000 bonus points as long as they make $150 in purchases within 60 days from the date that the account was opened.
Earned points can be applied to free hotel stays and various travel rewards. Cardholders also receive Hilton HHonors® Silver VIP status for the first year of membership with no additional charge. Since there are a variety of benefits offered with this card, we suggest visiting their website at www.hiltonhhonors.com.
The card has no pre-set spending limit, no annual fee, and a low introductory rate for purchases. The interest rate for purchases and balance transfers after the introductory rate expires is above average for a reward card, and it is not ideal for those who plan to carry a balance. There is also a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
The card does provide many signature benefits provided by Citibank that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
Therefore, those who frequently stay at Hilton HHonors® hotels, plan to pay in full each month (to avoid finance charges), and will take advantage of the many signature benefits will find the Citi® Hilton HHonors® Visa® Signature Card to be very beneficial.
**Cardholders who don't qualify for the Citi® Hilton HHonors® Visa® Signature Card will be considered for a Citi® Hilton HHonors® Gold Card.
The reward program is by far the most attractive benefit of the card, and it is ideal for those who frequently stay at Hilton HHonors® hotels. The card rewards cardholders with six Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton Grand Vacations Club®, Homewood Suites by Hilton® and The Waldorf=Astoria Collection™ hotels worldwide; three Hilton HHonors bonus points for each $1 spent on purchases at supermarkets, drugstores and gas stations, and earn two Hilton HHonors bonus points for each $1 spent on all other purchases (see website for participating hotel chains).
There is no yearly limit to the number of points that can be earned, and points do not expire provided that a transaction is made with the card within a year or at least one stay in a Hilton Hotel is made within a year. New applicants receive 15,000 bonus points as long as they make $150 in purchases within 60 days from the date that the account was opened.
Earned points can be applied to free hotel stays and various travel rewards. Cardholders also receive Hilton HHonors® Silver VIP status for the first year of membership with no additional charge. Since there are a variety of benefits offered with this card, we suggest visiting their website at www.hiltonhhonors.com.
The card has no pre-set spending limit, no annual fee, and a low introductory rate for purchases. The interest rate for purchases and balance transfers after the introductory rate expires is above average for a reward card, and it is not ideal for those who plan to carry a balance. There is also a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
The card does provide many signature benefits provided by Citibank that include up to $1,000,000 in travel accident insurance, auto rental insurance, and various travel and emergency assistance services.
Therefore, those who frequently stay at Hilton HHonors® hotels, plan to pay in full each month (to avoid finance charges), and will take advantage of the many signature benefits will find the Citi® Hilton HHonors® Visa® Signature Card to be very beneficial.
**Cardholders who don't qualify for the Citi® Hilton HHonors® Visa® Signature Card will be considered for a Citi® Hilton HHonors® Gold Card.
Review Date: September 25, 2008
Note: The review on this card was updated on September 25, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
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2.99% APR for 6 Months |
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Intro Applied Towards:
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Purchases |
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Additional Intro Details:
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The introductory rate is not available on balance transfers or cash advances. |
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Purchase APR:
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14.99% / 16.99% (Variable) The APR for purchases is based on the Prime Rate. |
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Cash APR:
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19.99% (Variable) The APR for cash advances is based on the Prime Rate. There is a minimum APR on cash advances. |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$0 |
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Additional Cardholders:
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$0 |
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Grace Period:
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20 Days (Min.) |
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Late Payment Fee:
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$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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Over the Limit Fee:
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None |
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Cash Advance Fee:
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3%, $5 minimum |
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Balance Transfer Fee:
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A balance transfer fee applies with this offer* (see site for details). |
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Minimum Credit Limit:
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See Important Notations |
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Maximum Credit Limit:
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See Important Notations |
| Credit Card Reward Program Details (Point) | |
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Points Per Dollar:
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2 Points |
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Additional Points:
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Cardholders can earn 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels - Hilton®, Conrad®, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Hilton |
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Point Details:
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Points are redeemable for free nights at more than 2,800 Hilton Family hotels worldwide or for vacation packages, car rentals, and miles at participating airline partners. |
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Expiration:
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1 Year (Points do not expire as long as the cardholder stays with Hilton or uses the card within a 12-month period.) |
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Yearly Limit:
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None |
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Bonus First Purchase:
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15,000 Points** |
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Bonus Details:
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**Earn 15,000 Hilton HHonors bonus points - enough for two free nights at participating Hilton Family hotels. Just make $150 in purchases on the card within 60 days of account opening. |
| Features | |
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Most Attractive Feature(s):
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| Two points for general purchases; additional hotel benefits and services for cardholders; no annual fee; bonus points; common signature cardholder benefits; no pre-set spending limit. | |
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Least Attractive Feature(s):
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| Best rewards require a large amount of points to be redeemed. | |
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Additional Features:
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| Various Internet account related services. Identity theft solutions. Fraud and security protection services. Complimentary Hilton HHonors Silver VIP status for the first year of membership. Automatic bill payments. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Emergency cash replacement. Emergency card replacement. Lost luggage assistance. Medical referral services. Legal referral services. Lost and stolen card reporting. Various travel and emergency assistance services. Year-end financial statement (upon request). No liability for unauthorized transactions. See website for additional benefits. |
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Important Notations
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| The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. The APR for purchases and balance transfers varies according to the applicant's credit history and will be 9.99% or 11.99% + Prime Rate. Your application will be considered for a Citi® Hilton HHonors® Gold Card if you don't qualify for the Citi® Hilton HHonors® Visa® Signature Card. See website for complete terms and conditions of card usage and application disclosure. | |
| Additional Information | |
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Apply Online for the Citi® Hilton HHonors® Visa® Signature Card from Citibank See other Hotel Credit Cards See other Credit Cards Issued by CitiBank See other Visa Credit Cards |
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