14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio

7X Hilton Honors points per dollar spent on:

Flights booked directly with airlines or

Car rentals booked directly from select car rental companies

U.S. restaurants

3X Hilton Honors points per dollar spent on all other purchases


150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening


Annual fee


Penalty APR

29.99% Variable

Late Fee

Up to $40

Returned Payment Fee

Up to $40

Additional Cards Annual Fee


Foreign Transaction Fee


Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR

26.24% Variable

Cash Advance Fee 

5%, $10 minimum

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR


Regular Balance Transfer APR

16.74%–25.74% Variable

Balance Transfer Fee

3%, $5 minimum


14X Bonus Points per dollar at participating Hilton Portfolio hotels and resorts

20X additional Base Points per dollar at Hilton Portfolio hotels and resorts for your Diamond member status

7X Bonus Points per dollar at U.S. restaurants, flights booked directly with airlines, select car rentals

3X Bonus Points per dollar on all other eligible purchases

150,000 Bonus Points for spending $4,000 in the first 3 months

Complimentary Hilton Honors Diamond status and other benefits

No foreign transaction fees

$450 annual fee

Hilton Honors Aspire Card

From exceptional To exceptional ( Credit Recommended Exceptional )

Hilton Honors Aspire Card

Designed for the frequent traveler and Hilton enthusiast, the Hilton Honors Aspire Card offers a plethora of strong perks and benefits if you’re willing to shell out for the $450 annual fee. You’ll earn tons of Hilton points thanks to your card and automatic Diamond status, and get perks like a free night every year, airport lounge access, and a number of annual Hilton and airline credits.

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pros and cons

Complimentary Hilton Honors Diamond status and other benefits

No foreign transaction fees

$450 annual fee


Annual Fee


Purchase APR


Foreign Transaction Fee

Cash Back


Credit Score


Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

The IHG Rewards Club Traveler Credit Card is worth considering if you regularly stay at InterContinental, Holiday Inn, Crowne Plaza or one of the other popular hotel brands owned by IHG but do not want to pay an annual fee in order to earn extra rewards points with an IHG credit card. In addition to a $0 annual fee, the IHG Traveler Card offers an initial bonus of 100,000 points to new cardholders who spend at least $2,000 within 3 months of opening an account. It also rewards users with 1 - 5 points per $1 normally.
IHG® Rewards Club Traveler Credit Card
If you have good credit and travel at least occasionally to one of the Wyndham brands, the Wyndham Rewards Visa Card may be worth a second look. Maybe you’re already a member of Wyndham’s free rewards program, earning points whenever you stay at a participating Wyndham hotel. But with this card, you don’t have to stay at a hotel to rack up points; everyday expenses like groceries, gas, and utility bills will earn you a little extra in rewards, and there's no annual fee.
Wyndham Credit Card
A simple points structure, no annual fee, an intro APR offer, and a hefty signup bonus make the Bank of America® Travel Rewards credit card our top pick for travel rewards. You’ll get 1.5 points for each dollar spent and an additional 1.5 points — a total of 3 points — on noninsurance purchases made through the Bank of America Travel Center.
Bank of America® Travel Rewards
Although Hyatt isn't as big as its competitors, the outstanding value delivered by The World Of Hyatt Credit Card makes it worth considering for anyone who spends a lot of time in hotels. Not a Hyatt customer? See our best hotel cards for other options.
The World Of Hyatt Credit Card
This high-end American Express card may not be for the casual traveler, but if you stay at Marriott Bonvoy hotels at least a few times per year it could be worth the cost. Included with the $450 annual fee are some exceptional perks that can save you money, such as airport lounge access, enrollment in Gold Elite status, and an annual $300 Marriott Bonvoy hotel credit.
Marriott Bonvoy Brilliant™ American Express® Card
The Hilton Honors Surpass Card from American Express offers the chance for avid travelers and frequent Hilton customers to get more out of their stays. Cardholders get a generous number of points back on Hilton purchases plus automatic Gold status, with a number of other benefits, all for a $95 annual fee.
Hilton Honors American Express Surpass® Card