The informational content on this site is based on our own analysis. There may be other products on the market with better features. Consumers should undertake their own due diligence before entering into any agreement. Read our full disclosure here.

Recent Personal Finance Articles

Hilton HHonors Platinum Visa: Free Hotel Rewards Credit Card

The Hilton HHonors Platinum Visa Card is a hotel rewards credit card for earning HHonors Bonus Points when you spend. As it's free, there isn't a minimum spend required to put the card in the black. We expect you can earn 1% to 1.5% through the HHonors loyalty program, depending on how you redeem your points. Additional features are welcome bonuses of a free night e-certificate and extra points plus the ability to earn Gold Elite Status each year (minimum spend £10,000). HHonors points can also be redeemed for air miles at select airlines.

Hilton HHonors Credit Card Features

  • Earn 3 HHonors Bonus Points for every £1 you spend at participating Hilton Worldwide hotels (in addition to the Base Points you already earn)
  • Earn 2 HHonors Bonus Points for every £1 you spend elsewhere
  • One free night e-certificate, for any weekend night at participating hotels in the Hilton Worldwide portfolio (spend £750 in the first 90 days)
  • 2,500 Bonus Points for each of your first four stays at any Hilton Worldwide hotel during your first year of card membership
  • HHonors Gold Elite status when you spend £10,000 in any calendar year
  • HHonors Silver Elite status while you have the card
  • 0% interest for 15 months on balance transfers made within first 60 days (2.99% fee applies)
  • Eligibility checker
  • No annual fee
  • 18.9% purchases APR (variable)


  • HHonors Silver or Gold Elite status
  • Free weekend night stay (first year only)
  • Earn HHonors Bonus Points on all spending
  • No annual fee


  • No annual bonuses

Hilton HHonors Platinum Card Review

The Hilton HHonors Platinum card is a points card for those looking to earn hotel rewards. Earn 3 HHonors Bonus Points for every £1 you spend at participating Hilton Worldwide hotels; earn 2 HHonors Bonus Points for every £1 spent elsewhere. Given our estimated value of an HHonors point to be 0.5 pence, you should see ongoing rewards rates of 1.5% on participating Hilton spend and 1% elsewhere.

Rewards value will depend on your spending levels, and the value you achieve when redeeming HHonors points. In the following table, we've done the math for you for different levels of annual spend across both Hilton and general spending, assuming a HHonors point is worth 0.5 pence.

Estimated Annual Rewards: Hilton HHonors Credit Card

Annual General SpendAnnual Hilton Spend

There is also some extra value on offer in the first year: a free night e-certificate (when you spend £750 in first 90 days) and the chance to earn 2,500 Bonus Points for each of your first four stays in your first 12 months. However, the lack of annual fee means no annual bonuses (other than the chance to earn Gold Elite Status with £10,000 spend/year). You can see estimated rewards of the Hilton card and two paid hotel rewards cards (Hilton HHonors in purple).

A graph showing the rewards over first two years with the 3 best hotel rewards card, the SPG Credit Card, the IHG Rewards Club Premium Credit Card, and the Hilton HHonors Credit Card, for average UK spending and higher spending
Rewards on 3 Hotel Rewards Cards over 2 Years, for both Average UK Household Spend and Higher Spending

Bottom Line: The Hilton HHonors Platinum offers average ongoing spending rewards. Since it's free, don't expect annual bonuses like free night vouchers beyond the first year.

Exchanging HHonors Points for Flights

If you'd rather use your HHonors Points to fly than sleep, HHonors Points can be exchanged for miles at Virgin Atlantic, Hawaiian Airlines or Sri Lankan Airlines, according to the following conversion rates:

Hilton HHonors Points to Air Miles Conversion RateConversion Ratio
10,000 HawaiianMiles = 15,000 HHonors Points1:1.5
10,000 Virgin Flying Club miles = 15,000 HHonors Points1:1.5
20,000 FlySmiles miles = 10,000 HHonors points2:1

Hotels in the Hilton Portfolio

There is no shortage of hotels to choose from in the Hilton portfolio. The Hilton brands encompass more than 4,600 properties, part of 14 different brands, as listed in the table below. In our research, we also came across this helpful tool for searching Hilton properties by category, using Google maps. This tool is not related to us or to Hilton, and may not be completely up to date and accurate, but we found it very useful as a starting point for exploring Hilton hotels.

Hilton Worldwide Brands, Over 4,600 properties

  • Waldorf Astoria
  • Hilton
  • Tapestry Collection
  • tru
  • Embassy Suites
  • Conrad
  • Curio
  • Hilton Garden Inn
  • Home2 Suites
  • Hilton Grand Vacations
  • Canopy
  • DoubleTree
  • Hampton
  • Homewood Suites

Comments and Questions