Hilton HHonors Platinum Credit Card from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Hilton HHonors® Platinum Credit Card from American Express is designed for those with very good credit who frequently stay at Hilton Hotels. Through the reward program, cardholders earn three points for every dollar spent on the card for general purchases (a rare benefit, as most reward programs only offer one point per dollar spent for general purchases) and five points for every dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S Postal Service, and wireless phone bills. Earned points do not expire; however, points are limited to $100,000 in annual spending. Cardholders will be awarded two points for every dollar spent on eligible purchases exceeding $100,000. The reward program can be combined with the Hilton's HHonors® reward program that offers various benefits to cardholders including a chance to earn both points and frequent flyer miles for a qualifying hotel stay. Cardholders will also receive 10,000 bonus points after their first purchase, which must be made within one month of approval, 15,000 bonus points after spending $5,000 in 5 months, and up to 10,000 bonus points for their first four stays at any Hilton. In addition to the reward program, the card does offer many of the common benefits and services provided by American Express®, such as auto rental insurance, travel accident insurance, various purchase protection related services, and discounts through the Offer Zone (which provides access to offers, discounts, and special events). There is no annual fee on the card, and a low introductory rate is available for purchases and balance transfers for the first six months (balance transfers must be submitted during the application process). The interest rate for purchases and balance transfers is above average for a reward credit card and is not ideal for those who plan to carry a balance after the low introductory rate expires. Overall, the Hilton HHonors® Platinum Credit Card from American Express is best for those who frequently stay at Hilton Hotels and will be able to take advantage of the reward program as well as the many cardholder benefits provided by American Express®. Most Attractive Feature: Three points for general purchases; additional hotel benefits and services for cardholders; no annual fee; bonus points; no blackout dates. Least Attractive Feature: This card is not eligible for enrollment in the Membership Rewards® Program. Apply Now For Hilton HHonors Platinum Credit Card from American Express Note: The review of this American Express card was updated on 06/27/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	2.9% APR for 6 Months
Applied Towards:	Purchases, Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the application process.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	14.99%
Cash Advance APR:	19.99%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$19 on balances up to $400 and $38 on balances of $400 and over
Over-the-Limit Fee:	$35
Cash Advance Fee:	3%, $5 minimum for Express Cash transactions
Balance Transfers:	There is no balance transfer fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	3 Points
Additional Points:	5 points per eligible dollar spent at Hilton Hotels, grocery stores, drugstores, gas stations, restaurants, the U.S. Postal Service, and for wireless phone bills.
Yearly Limit:	$100,000 in annual spending (2 points awarded for every $1 spent if purchases exceed $100,000)
First Purchase Bonus:	10,000 Points
Other Bonus:	30,000 Points**
	**Cardholders will earn 2,500 Hilton HHonors bonus points for each of the first four stays at any Hilton Family Hotel, which is equal to 10,000 Hilton HHonors bonus points. ***Earn 30,000 bonus points when $5,000 is spent in the first 5 months of card membership.

Additional Highlights of Interest

Special Card Benefits and Features No blackout dates. Various Internet account related services. Year-end financial statement. Extended warranty for purchases. No liability for unauthorized Internet transactions. Purchase protection. Access to the Offer Zone for various discounts at participating retailers and merchants. Guaranteed hotel and motel reservations. Emergency card replacement. Emergency cash replacement. Auto rental insurance. Medical referral services. Legal referral services. Roadside assistance. Up to $100,000 in travel accident insurance. See website for additional benefits. Important Notes Regarding This Offer Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure