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Citi® Hilton Honors™ Reserve Card — Full Review [2024]

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Alex Miller
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Alex Miller

Founder & CEO

290 Published Articles

Countries Visited: 34U.S. States Visited: 29

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Edited by: Kellie Jez
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Kellie Jez

Director of Operations & Compliance

1 Published Article 1171 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Citi® Hilton Honors™ Reserve Card

Citi® Hilton Honors™ Reserve Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
  • $95 per year

  • 15.99% APR

Citi® Hilton Honors™ Reserve Card

With tons of points, benefits, and perks, this card is for those who choose to stay at Hilton hotels above other brands.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Update: this card is no longer available. Existing accounts were transitioned in January 2018 to the Hilton Honors American Express Surpass® Card.

For you, traveling is the name of the game. When it’s time to book a room, there’s no question it will be at a hotel in the Hilton Portfolio.

Luckily you always have plenty of places to choose from. After all, there are over 4,600 Hilton-brand locations in 100 countries!

Paying for your stay can be just as easy with Citi® Hilton Honors™ Reserve Card. It earns you points on each stay and delivers a wide variety of perks to make life comfortable.

Card Snapshot

Welcome Bonus & Info

  • Earn 2 weekend night certificates each good for 1 weekend night (standard room, double occupancy) at select hotels and resorts within the Hilton Portfolio after you make $2,500 in purchases within the first 4 months of account opening.
  • Earn an anniversary bonus of one weekend night certificate good for one weekend night (Friday, Saturday, Sunday, standard room, double occupancy), at select hotels and resorts within the Hilton Portfolio after you spend $10,000 on purchases each year (starting from your Annual Fee Date) and remain a cardmember.
  • 10 pts/$1 for all stays in the Hilton Portfolio.
  • 5 pts/$1 for airline and car rental purchases.
  • 3 pts/$1 for all other purchases.
  • Enjoy Hilton HHonors Gold Status as long as you are a Citi Hilton Reserve cardmember.
  • Earn an upgrade to HHonors Diamond Status when you make $40,000 or more in purchases with your card each calendar year.

Customer Service Number


Great Card If

  • You are a frequent traveler
  • You like staying at Hilton hotels
  • You want a card that earns points quickly

Don’t Get If

  • You usually stay at hotels outside the Hilton brand
  • You want a card for frequent flyer miles
  • You won’t use the free 2 weekend nights

Sign-Up Bonus, Categories, and Elite Gold Status

The current sign-up bonus for the Hilton Reserve card is detailed in the card summary table above.

Then earn 10 points for every $1 you spend on hotels in the Hilton Portfolio, 5 points for every $1 you spend on airline and car rental purchases, and 3 points for every $1 you spend on other purchases!

Best of all, you automatically achieve Elite Gold Status in the Hilton Honors loyalty program just for being a card member. With Gold status, you get a whopping 25% bonus on the Honors base points you earn!

Bottom Line: The Hilton Reserve card earns 3-10x points and gives you Gold Elite status, which allows you to earn 25% more bonus points while staying at Hiltons!

Other Gold Status Benefits

Your Hilton Honors Gold status is a permanent perk for as long as you have the card. It also gets additional features, such as a 5th-night free when you stay a minimum of 5 nights with a Standard Room Reward.

Additionally, enjoy free in-room and lobby internet access, late-night check-out, and complimentary access to fitness centers and health clubs where available.

Gold status usually requires 20 stays, 40 nights, or 75,000 base points, making this a huge benefit.

Why not keep going to reach Diamond status? It takes 30 stays, 60 nights, or 120,000 bonus points, so you’ve got a great head start. Stay at Hilton hotels frequently and it will add up!

Another way to reach the Diamond tier is by spending $40,000 with the card. Use the card to charge all your monthly expenses, and this may be easier than you think.

At this level, you’ll get a 50% points bonus on Hilton Honors points as well as other perks!

Bottom Line: Earn permanent Hilton Honors Gold status plus the chance to earn Diamond if you spend $40,000 in a calendar year with the Hilton Reserve card.

International Travel With the Card and More

Bring the Hilton Reserve card when you travel internationally and enjoy no foreign transaction fees. Plus, because the card comes with an EMV chip, you can make global purchases hassle-free.

Because it’s a Citi card, you get all of those benefits too, as well as a host of Visa Signature travel, purchase, and shopping benefits. See the Gritty Details section for more information.

Be sure not to overlook the value of these “simple” benefits, as many airline credit cards actually have a foreign transaction fee of 2% to 3%, which would negate any points you earn while overseas!

One additional benefit that doesn’t fit in with the others is an extra free night certificate every year you spend $10,000 or more on the card. This free certificate is awarded on your anniversary date each year.

Bottom Line: With the Hilton Reserve card, you have no foreign transaction fees and also earn an additional free night per year when you spend $10,000 or more on the card!

Drawbacks of the Hilton Reserve Card

The biggest drawback of this card is the $95 annual fee. However, compared to other cards the cost is competitive.

Another thing to consider is that you are required to redeem more points for a Hilton Honors reward than in other loyalty programs. Fortunately, you earn points quickly at 3-10 points per $1. But it’s still important to be aware of their value!

For example, the Standard Reward value is $4.00-$6.00 per 1,000 points. While you can get a one-night stay for 5,000 points, you will be limited to rooms in Category 1. You’ll need 20,000-60,000 points per night to get a mid-level room.

Hotel Category 10 is the highest tier and requires 70,000-95,000 points for 1 night, more than 12 times the amount of a Category 1 room.

Of course, with the sign-up bonus you get 2 weekend nights automatically!

Bottom Line: There aren’t many benefits to the Hilton Reserve card beside the high points earning potential. The $95 fee can be intimidating, and you need to understand that Hilton Honors awards cost many more points than other programs.

Best Way To Redeem Hilton Honors Points

The Hilton Honors redemption system can be a little confusing. We try to break it down for you in this section so you can decide how to redeem all the points you’ve earned.

Tip #1: You can start redeeming points for room rewards with 5,000 points. In some cases, it may make sense to stay in a room at a cheaper rewards rate, but it will depend on your minimum expectation for room quality.

Since rooms can vary drastically depending on the chain, it’s a good idea to check reviews online and even call the hotel before making a decision about how many points to use for your stay.

The following table shows how many points must be redeemed for different hotel categories:

15,000 Points
210,000 Points
320,000 Points
420,000 to 30,000 Points
530,000 to 40,000 Points
630,000 to 50,000 Points
730,000 to 60,000 Points
840,000 to 70,000 Points
950,000 to 80,000 Points
1070,000 to 95,000 Points

Tip #2: Hilton Honors gives you the option of paying for your room using a Points & Money combination, which is sometimes the better deal. Check the math for both the split pay and normal pay options before choosing.

For instance, a room at the Hampton Inn that would cost you $124 could be redeemed for 30,000 points (or $.04 per point). If you used the Points & Money option, it would cost $50 and 12,000 points, which is about the same value.

See the table below for Points & Money requirements:

Points & Money Comparison
Hotel CategoryRewards PointsPoints & Money
15,0002,000 pts + $30
210,000 pts4,000 + $35
320,000 pts8,000 + $40
430,000 pts12,000 + $50
540,000 pts16,000 + $65
650,000 pts20,000 + $85
760,000 pts24,000 + $100
870,000 pts28,000 + $125
980,000 pts32,000 + $150
1095,000 pts38,000 + $200

*Courtesy of the Honors Website.

Tip #3: Take advantage of the 5th-night free option so you don’t have to use as many points. Just book your stays in multiples of 5, and you will only have to redeem 4 nights worth of points.

You can do this on a stay of up to 20 consecutive nights to get a total of 4 free nights out of the deal!

Tip #4: Before redeeming points for a Premium Room award, make sure it is a good value compared to a Standard Room award. In many cases, the Premium award has less value.

For instance, after doing the calculations, we found a $0.001 difference per point between the two.

Tip #5: Transfer Hilton Honors points you’ve earned with your Hilton Reserve card for flights with a participating airline partner.

The transfer ratio below is for flights in the Americas. Find a list of all participating airlines worldwide here.

 Hilton Honors PointsTransfer
British Airways25,0006,500 Premier Kilometers
American Airlines10,0001,500 AAdvantage Miles
United Airlines10,0001,000 MileagePlus Miles
Delta Airlines10,0001,000 Delta Miles
JetBlue10,0001,000 TrueBlue Points
Aeroplan10,0001,000 Aeroplan Miles
Frontier Airlines10,0001,500 EarlyReturns Miles
LAN25,0006,500 LANPASS Kilometers
Alaska Airlines10,0001,000 Mileage Plan Miles
Avianca10,0001,000 LifeMiles
Hawaiian Airlines10,0001,500 HawaiianMiles

Best Way To Maximize Hilton Honors Points

Many of the most attractive rewards in the Hilton Honors program require a lot of points. Therefore, it’s smart to earn Hilton points in as many ways as possible.

Here are some suggestions for using multiple strategies to earn more points with the Hilton Reserve card.

Tip #1: Put all of your hotel expenses onto your Hilton hotel bill to get the most points possible. For instance, get 10x points for room charges like telephone calls and room service.

Tip #2: Use the card for all of your travel spending. Remember, you earn 5x points through airlines and car rentals; don’t forget about 3x points for everyday spending!

You’ll earn points faster and get closer to achieving Diamond status this way.

Tip #3: Sign in to your Hilton Honors account and set your My Way Earning Style for more points. You can choose bonus points or airline/rail miles from participating travel partners.

Once you set your preference, you get 10 base points plus 5 extra bonus points OR 1 mile per every $1 spent on your room (depending on the carrier.)

Tip #4: When you stay at Hilton hotels, ask the front desk about current offers for elite status members. You may be able to earn points you weren’t aware of just by checking in.

Tip #5: Along the same lines, watch for periodic Hilton credit card promotions. Every now and then Hilton offers the chance to double (or even triple!) your points with a stay or purchase.

Tip #6: Earn points with Hilton Honors partners. Get 500 points by renting at Avis, Budget, and Sixt, up to 1,000 at Europcar, and up to 5,500 points at Car Club. You can also earn points by booking with Cruises Only.

Tip #7: You can earn Diamond status (and a 50% point bonus!) by accumulating stays. If your travel is flexible, consider staying only 1 night in a hotel, and watch your stays add up!

Bonus Tip:  Use the Hilton dining program to earn lots of points without doing any extra work!

Hilton Brand Hotels: Conrad, Canopy, Hampton, Hilton, Hilton Garden Inn, Home 2, Curio, DoubleTree, Embassy Suites, Waldorf Astoria, Homewood Suites, Hilton Grand Vacations

Other Partners: LifeLock, Energy Plus, Diner’s Club, DirecTV, Avis, Car Club, National, Alamo, Europcar, Sixt, CruisesOnly, One SimCard, Travelling Connect, Shop-to-Earn Mall, Budget, and Priority Pass.

Alternatives to the Hilton Reserve Card

If you want an alternative Hilton credit card, there are a few available from Citi and American Express.

The Citi® Hilton Honors™ Visa Signature® Card has no annual fee and a slightly different structure than the Hilton Reserve card.

You will earn 2-6 points per dollar and will be able to earn a sign up bonus when using the Citi® Hilton Honors™ Visa Signature® Card.

Alternatively, the Hilton Honors™ Card from American Express earns 3-7 points per dollar and is also a no annual fee card. A unique offer of this card is you earn 500 bonus points each time you book with your Amex card online.

Both of these alternative cards only offer Silver elite status versus the Gold status, but if you aren’t actually staying in that many Hilton Hotels throughout the year this may be the better choice anyway.

You can earn all your points with your normal, everyday spending without having to pay an annual fee, and then redeem your points for a vacation night sometime in the year.

The information regarding the Citi® Hilton Honors™ Reserve Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
The information regarding the Citi® Hilton Honors™ Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Hilton Honors American Express Card, click here.

Frequently Asked Questions

Is the Hilton Reserve card worth it?

While the card has a $95 annual fee, it does have a lot to offer. You get the opportunity to earn tons of Hilton Honors points, a variety of benefits, and a good sign-up bonus.

Just for being a cardmember, you receive complimentary Gold status as well as a variety of insurance and benefits from Citibank and Visa Signature.

The card can be a great option for people who travel regularly and stay at Hilton brand hotels.

What is the Hilton Reserve card login?

The login for the card is through Citibank. Once you log in, you can check your statements, purchases, and calculate your points.

To log in and check your Honors account information, including points deposited into your account, you need to use the Honors sign in page.

How do I earn points with the Hilton Reserve card?

Earn 10x points on Hilton hotel stays, 5x points on airline and car rental purchases, and 3x points on other purchases with the card.

You also earn a bonus of 25% points with your complimentary Gold status. Earn even more points by making purchases with Hilton Honors partners.

Is there a 0% APR offer for the Hilton Reserve card?

No, the card does not have a 0% APR offer.

What is the foreign transaction fee for the Hilton Reserve card?

There is no foreign transaction fee with the card.

When do Hilton Reserve card points expire?

Your points will not expire as long as you have activity on your account every 24 months. In other words, you need to either earn or redeem points or stay at a hotel within the 24 months.

Does the Hilton Reserve card have an annual fee?

Yes. The annual fee for the card is $95.

Where can I find my Honors number?

Your Honors number will not be on your Hilton Reserve card, but you can locate it a few different ways.

Start by checking the number on the front of your Hilton Honors loyalty card.

The number is also in the registration email from when you signed up for the program, as well as other Honors marketing emails.

If you still can’t find the number, use the “forgot my password” tool to request an email with your information or call customer service.

What is Hilton Honors Gold status?

Gold is the third tier of 4 in the Honors status system. Blue is the starting tier, Silver the second, Gold the third, and Diamond is the fourth.

You automatically earn Gold status for being a member of the Hilton Reserve card.

As a Gold member (which typically takes 40 nights or 20 stays to achieve), you earn 25% bonus points for staying at Hilton, get digital check-in, complimentary internet access, room preferences, late check-out, express check-out, and a second guest to stay for free.

You’ll also get your 5th night free if you redeem points for 5 nights at a standard rate. Finally, you get complimentary access to fitness clubs when available, and 2 bottles of water per stay.

When does Honors status expire?

With the Hilton Reserve card, you will always have Gold status with the club.

If you earn Diamond status, then your status is good through the entire year you earned it, the next full year, and up through March 31st of the year after.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more. Protection Status