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.
$150
annual fee
0%
foreign txn fee
$120
credits/yr realistic ($200 face)
$780
sign-up bonus ≈ 130000 points after $3,000/6mo
Earning
| Hilton (Hotels (booked direct)) | 12x | 7.2% |
| Dining & restaurants
U.S. restaurants
|
6x | 3.6% |
| Groceries (supermarkets)
U.S. supermarkets
|
6x | 3.6% |
| Gas stations
U.S. gas stations
|
6x | 3.6% |
| Online retail (general)
U.S. online retail
|
4x | 2.4% |
| Everything else | 3x | 1.8% |
Right column: value per $ at travel valuation (0.6¢/pt).
Credits
- $200 Hilton credit /year · medium to use$50 per quarter on Hilton property purchases
Benefits
- No foreign transaction fees
- Hilton Honors Gold (Diamond after $40,000 spend)
- Free Night Reward after $15,000 spend in a year
- National Car Rental Emerald Club Executive
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/: $150, 12x Hilton, 6x U.S. restaurants/supermarkets/gas, 4x U.S. online retail, 3x else, $50/quarter Hilton credit, 130k after $3k, no FTF (Bankrate Amex overview, Jul 16 2026). Protections still from model knowledge.