Citi
Hilton Reserve Credit Card
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Card review
Hilton Reserve Credit Card
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
See issuer
Est. net value
Run calculator
Credit score
Varies
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Hilton Reserve Credit Card from Citi carries a $95 annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air France KLM Flying Blue1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- JetBlue TrueBlue1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$95
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$95
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.