Brand loyalty isn’t easy to achieve when you’re on budget, but there is a brand that rewards its loyal guests well: Citi. When it comes to travel, there’s another brand that rewards loyalty even more, and that’s Hilton. You may think the two together on a credit card may be too good to be true, but it is real. The Citi Hilton HHonors Visa Signature Card is everything a Hilton Honors member could wish for. If you are part of the Hilton Honors program, this is a card that should always be in your wallet. If you’re not already in the program, here are 10 Citi credit card benefits that may make you want to always stay at Hilton while you’re away.
1. Bonus points
One of the greatest benefits of the Citi Hilton Honors Visa Signature Card is its introductory bonus. According to Wallethub.com, you could earn up to 40,000 Hilton Honors points if you spend just $ 1,000 within the first 3 months after you get your credit card. It’s an easy weekend at a Waldorf Astoria or a long weekend at a nice nearby Hilton. This $ 1,000 is a low spending threshold compared to other cards.
Once you receive your introductory bonus points, you can start earning even more points simply by using your card. The rate of return on this Citi credit card is incredible. You get 6x points for every dollar you spend on a stay at Hilton. Considering that Hilton has so many different types of properties, you will never tire of your hotel stays. In addition, you can also earn 3x points for purchases in supermarkets, drugstores and pharmacies. For other general purchases, you can earn double points.
3. No expiration
This is a benefit that continues to give. As long as you use your credit card once a year, your points will never expire. That’s how it is. There is absolutely no expiration date for your points. That means you can accumulate your points year after year to save for that expensive hotel stay in Hawaii. If Hawaii is not to your liking, you can save your points to use for a pleasant vacation in Europe. The point is, you can add up your points without worrying about expiration. You will never be forced to sign up for magazines that you will never read, ever.
Speaking of redeeming points, you can use your points for more than just paying for your hotel room. You can also use your points to book flights, rent a car, and much more. Creditcards.com also lists purchases, dining, property rewards, and even charities as ways to redeem your points. The options are plentiful.
5. Annual fee
There is a downside to owning rewards cards, and that downside comes primarily in the form of an annual fee. Some fees are outrageously high. We have seen rewards cards that charge between $ 200 and $ 500 a year. It’s a great thing that this particular Hilton Honors credit card doesn’t have an annual fee of any kind – zero. The fee that would normally have come out of your card is going nowhere unless you use it to buy something you really want to pay for.
It is normal for a rewards credit card to have a high APR. We’ve seen some go up roughly 21% to 24%. Those amounts are ridiculous for any credit card, but they do exist. Fortunately, this Citi card only has a variable rate of 15.99% to 19.99%. While those fees aren’t much lower, they are still lower compared to other similar cards. If you don’t usually look at APRs when it comes to credit cards, you should. You’ll have more money in your pocket if you have a credit card with a low APR, and the Citi card can help.
A great benefit of owning the Citi Hilton Honors Visa Signature card is the ability to upgrade. According to this article, you can use your points to earn an upgrade on any Hilton property. There are contingencies on this benefit, so be sure to contact the hotel where you are staying first before expecting an upgrade. If anything, it lets you know if they have upgraded rooms available. If you are a Hilton Gold and Diamond member, you already get complimentary room upgrades (based on availability). But using the card can take you faster than you normally would.
8. Elite status
And that brings us to our next benefit. This Citi credit card can accelerate your path to Hilton Honors Gold or Diamond membership. Having just the card grants you automatic Silver membership status. If you are staying at 4 Hilton properties (without …