American Express · American Express · personal · Hilton Honors
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$480
sign-up bonus ≈ 80000 points after $2,000/6mo
Earning
| Hilton (Hotels (booked direct)) | 7x | 4.2% |
| Dining & restaurants
U.S. restaurants
|
5x | 3% |
| Groceries (supermarkets)
U.S. supermarkets
|
5x | 3% |
| Gas stations
U.S. gas stations
|
5x | 3% |
| Everything else | 3x | 1.8% |
Right column: value per $ at travel valuation (0.6¢/pt).
Credits
None.
Benefits
- No foreign transaction fees
- Hilton Honors Silver (Gold after $20,000 spend in a year)
- 5th night free on award stays
- No annual fee
Protections
| purchase protection | 90 days, up to $1,000 per occurrence |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/american-express-green-card/: $0, 7x Hilton, 5x U.S. restaurants/supermarkets/gas, 3x else, 80k after $2k, no FTF (Bankrate Amex overview, Jul 16 2026). Protections still from model knowledge.