Citi Hilton HHonors Visa Signature Credit Card Review

  • 3 min read

For those who stay at Hilton properties, the Citi Hilton HHonors Visa Signature credit card is an easy way to maximize their current spending patterns. This rewards card offers a number of bonus point-earning opportunities, offers competitive pricing and terms, and rewards can be redeemed in 90+ countries. Here are how rewards can be earned when using the Citi Hilton HHonors card.

  • Earn 6 bonus points on every $1 spent while staying at a participating Hilton property.
  • Earn 3 bonus points on every $1 spent when making a purchase at a qualifying drug store, at grocery stores, and at gas stations.
  • Earn 2 bonus points for every $1 spent on every other purchase.

There are no caps placed on the rewards points that can be earned with this casino credit card. The points do not expire as long as the credit card is used for a purchase at least once every 12 months.

New account holders of the Citi Hilton HHonors Visa Signature credit card can earn a 40,000-point bonus after making $1,000 in purchases within the first 120 days of receiving their card. There is an annual 10,000-point bonus that is given on the opening date anniversary as well.

How to Upgrade the Citi Hilton HHonors Visa Signature Card

New account holders of the Citi Hilton HHonors Visa Signature are automatically awarded Silver Status within the rewards program. As long as the account remains open, this rewards tier status will always be granted. The benefits of being a Silver Status member include a 15% elite point bonus, a fifth night free when booking a stay of 5 nights or more in a standard room, and complimentary access to fitness centers.

New members can upgrade to Gold Status by staying 4 nights at a qualifying Hilton property within the first 90 days of opening the account. This rewards tier status can also be achieved by spending $20,000 on qualifying purchases within a calendar year.

Gold Status members receive all of the Silver Status rewards, though the points bonus increases from 15% to 25%.

This account also qualifies for Citi Price Rewind. This program searches hundreds of online stores to see if you received the best price possible when making a purchase. It the exact item is found for a lower price within 60 days of purchase at a qualifying merchant, then account holders may receive the price difference as an account credit.

Travel protections, purchase protections, and conveniences such as Apple Pay, which are standard Visa Signature Card items, are also available on the Citi Hilton HHonors card.

What Is the Pricing and Terms of the Citi Hilton HHonors Visa Signature Card?

There is no annual fee associated with the Citi Hilton HHonors Visa Signature credit card. All accounts have a variable APR of 15.74%-19.74% and this is based on the Prime Rate and the credit rating risk of each applicant and account holder. The balance transfer APR is the same as the purchasing APR as long as the transfer is requested within 60 days of the account being opened.

The APR for cash advances is 25.74%, with a minimum cash advance fee of $10. A maximum APR of 29.99% may apply to this card if a late payment is made or a payment is returned for some reason.

A foreign transaction fee of 3% applies. If you are charged any interest, the minimum charge on this casino credit card is $0.50.

View more information about the Citi Hilton HHonors Visa Signature credit card or if you’re ready to apply for the Citi Hilton HHonors Visa Signature Credit Card.

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Christopher - BSc, MBA

With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.