Review: Citi Hilton HHonors Reserve Card

The Citi Hilton HHonors Reserve Card has been introduced by Citi in 2013 and is one of the best cards for hotels out there.

Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening
Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio
Enjoy the benefits of HHonors Gold status as long as you are a cardmember

1) Two weekend nights at any Hilton hotel

While Hilton has devalued it's award chart – the Citi Hilton HHonors Reserve Card still let's you choose any Hilton hotel for the free two nights. An obvious choice is one of the Hilton resorts in the Maldives which often publishes rates of $1,000/night. This is a great value use for your free night certificates.

2) Earn a free night every year if you spend $10,000 on the card

If you are a heavy spender $10,000 should be nothing and a free night at any Hilton can replace a $1,000 nightly rate. For each dollar spend at Hilton resorts you will earn 10 Hilton Honors points. For all other purchases it will be 3 points per dollar spend. $1,667 spend at a local supermarket will get you a free night at Hilton category 1 hotels.

3) EMV chip on card

The electronic chip function (with or without a PIN) is what you need for using a credit card in many European countries. Don't travel without it!

4) No annual fee for the first year

The annual fee is waived the first year. Annual Fee $95.

5) No foreign exchange fee

A travel card that charges a foreign exchange fee? Not this card!

6) Comprehensive Insurance Package

The card includes the following insurance benefits:

Auto Rental Collision Damage Waiver
Lost Luggage Reimbursement
Roadside Dispatch
Travel Accident Insurance
Travel and Emergency Assistance Services

7) Zero Fraud Liability

When you travel your credit card details will be exposed to many merchants. I had credit cards compromised but a call to my bank ALWAYS made sure that I get a new card and any fraudulent charges were taken off my account.

You can apply here.

4 / 5 stars