Hilton Honors American Express Card

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Annual Fee $0 Annual interest rate 19.49% - 28.49% Variable% General Points Reward 0.015pts. Gas Points Reward 0.025 Groceries Points Reward 0.025 Hotel Points Reward 0.035pts. Dinning Points Reward 0.025	Travel Medical Insurance no Travel Accident Insurance no Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance no Travel Family Insurance no Concierge Services no Price Protection Insurance no Extended Warranty (1 Year) yes Purchase Protection (90 days) no

No annual fee; 3x points Hilton properties, 1x other; no blackout dates or point caps; straightforward earningCasual Hilton users; no annual fee seekers