Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
14x
Dining
7x
Where it wins:
Stated credits ($889/yr) cover the $550 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
14X at Hilton hotels and resorts
7X on flights booked directly with airlines or amextravel.com
7X on car rentals booked directly from select car rental companies
7X at U.S. restaurants
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseHilton14×
- Everything elseAirfare7×
- DiningU.S. Restaurants7×
- Everything elseCar rentals7×
- Everything elseAll Purchases3×
Welcome offer
200,000 points
- Spend $6,000 in 180 days
- Est. value: $1,200 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Property$100/yr
$100 credit per booking for a two-night minimum stay at Waldorf Astoria Hotels & Resorts, and Conrad Hotels & Resorts. Can be used for purchases like spa treatments, dining, etc.
- Resort$400/yr
Recieve (2) $200 semi-annual statement credit (January through June; and July through December) to use directly with a participating Resort in the Hilton portfolio. Up to $400 credit annually. Visit hilton.com/resorts for the list of participating Hilton Resorts.
- CLEAR$189/yr
$189 statement credit to CLEAR membership each calendar year.
- Airline (New)$200/yr
Recieve (4) $50 annual credit each quarter to be used on airline incidental purchases like baggage fees, change fees, etc. with a chosen US airline. Issued every quarter. Activation required.
Benefits
- Free Night $175/yr
Annual free weekend night reward that can be used on even the most expensive Hilton properties.
- Diamond Status
Get benefits like a 100% bonus on base points, free breakfast for two, lounge access, upgrades, premium internet, and a 48-hour room guarantee.
- Free Night (w/ spend)
Spend $60,000 in a calendar year and earn a Free Weekend Night Reward.
- Free Night (earned)$175/yr
Annual free weekend night reward that can be used on even the most expensive Hilton properties.
- Priority Pass $32/yr
Get lounge access for you and up to two guests for free. (No restaurant credits)
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $550 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.