American Express
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
60,000 points a year at 0.62¢ = $372, $400 of credits you'd actually use, minus the $550 annual fee = $222 a year. The 175,000-point welcome bonus adds $1,085 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 7× Hilton Honors | none |
| Flights, hotels and transport | 7× Hilton Honors | none |
| Groceries | 3× Hilton Honors | none |
| Everything else | 3× Hilton Honors | none |
14x at Hilton properties, 7x on flights, car hire and at restaurants, 3x on everything else.
Hilton Honors points are worth about 0.62 cents each on our published table, our own. What Hilton Honors points are worth →
175,000 Hilton Honors — about $1,085 — after $6,000 of spending in 6 months. The example spending above clears that.
Credits count for $400 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $400 a year of Hilton resort credit in two halves. The $200 flight credit and free night award are not counted.
We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.