Whether you travel for business or pleasure, the Citibank Citi Hilton HHonors Visa Signature Card is one you need to have in your wallet. Hilton Hotels and Resorts are featured around the world and provide amazing accommodations for every budget, including:
- Hilton Garden Inn
- Hilton Grand Vacations
- Hilton Hotels & Resorts
- Hampton Inn
- Conrad Hotels & Resorts
- Embassy Suites
- Waldorf Astoria Hotels & Resorts
As you can see here, there are quality accommodations at the lower end of the scale, such as Hampton Inn, going all the way to Waldorf Astoria – so you have your choice of budget accommodations for business traveling or if you want to splurge on a beautiful vacation at a Hilton Grand Vacations.
There are dozens of reward credit cards out there, so what makes the Citibank Citi Hilton HHonors Visa Signature Card so special? Here are some of the features found with the card:
- 40,000 HHonors Bonus Points – Earned after spending $1,000 on purchases within the first four months of membership
- 6x HHonors Bonus Points – Earned for every $1 spent on a hotel stay within the Hilton HHonors program
- 3x HHonors Bonus Points – Earned for every $1 spent at gas stations, grocery stores or drugstores
- 2x HHonors Bonus Points – Earned for every $1 spent on all other purchases
There are many ways in which to accrue points to redeem for rewards and benefits using the Citibank Citi Hilton HHonors Visa Signature Card. If you are planning a vacation getaway or want to purchase a big ticket item, it might be a great idea to use the card toward that purchase so you can easily rake in the 40,000 bonus points – you need to spend the money within the first four months of ownership of the card and if you are going to spend the money anyway, why not get the bonus points?
As a Visa Signature cardholder, there are benefits included in ownership, such as:
- Concierge services
- Auto Rental Insurance
- No pre-set card limit
- Lost luggage coverage
- Automatic Travel Accident Insurance
- Retail Purchase Protection
Features of the Citibank Citi Hilton HHonors Visa Signature Card
One unique feature about the Citibank Citi Hilton HHonors Visa Signature Card is the no pre-set spending limit. This is a great addition to the card, but could be troublesome to an irresponsible card user. The way it works is that you will be given a credit limit, however, any purchase you make above and beyond that will be evaluated based on your credit performance and account usage – in addition to how you manage your other credit cards. While there is usually no penalty for going over your credit limit, you must pay the amount that goes beyond your limit in full monthly. For many card users, going over a balance $50-100 is likely manageable, but if you go over a substantial amount, keep in mind it must be paid in full in addition to the monthly balance.
Another great feature of the Citibank Citi Hilton HHonors Visa Signature Card, which you won’t find many other places, is something called the Citi Price Rewind. This unique program allows you to make a covered purchase, register it on Citi.com and then the website will go to work for 30 calendar days analyzing hundreds of retailer websites – if the same item is sold for more than $25 lower than what you paid, you get the price difference! What a great idea and really helps with that buyer’s remorse we sometimes feel. How many times have you purchased an item, only to find it substantially discounted two weeks later? Annoying – but the Citibank Citi Hilton HHonors Visa Signature Card ensures you get the best deal within 30 days of purchase.
All of these benefits are offered through the credit card, which does not charge an annual fee – even better! So many credit cards out there charge a hefty annual fee and they aren’t always worth it, but with the amount of options you have from the Citibank Citi Hilton HHonors Visa Signature Card it’s a good card to have in your wallet – no matter if you’re a business traveler or you like to make a few weekend getaways a year. There is always a Hilton hotel somewhere around your destination to take advantage of for the night.
The terms and conditions are fairly average in comparison with other credit cards. Some of the rates include:
- 14.24% — Citi Hilton HHonors Visa Signature Card
- 16.24% — Citi Hilton HHonors Visa Gold Card
Your credit score and history determine the APR – but even the 16.24% is a good option compared to the 19.99% and higher rates you’ll find with cards that offer less in value. Of course, you always want to make your payments on time, as the penalty APR jumps up to 29.99 indefinitely if you have a late or returned payment. A late payment will also cost you $35 – so it’s worth it to set up auto payments so you don’t have to worry about penalty payments! Other rates to consider with the Citibank Citi Hilton HHonors Visa Signature Card include:
- APR for Balance Transfers – same as your designated APR rate, depending on card type
- APR for Cash Advances – 25.24%
- Balance Transfer Transaction Fee – Either 3% or $5 of the transfer amount, whichever is greater
- Cash Advance Balance Transfer – Either 5% or $10 of the cash advance, whichever is greater
- Foreign Purchase Transaction – 3% of the purchase amount in dollars
When you look at the benefits of the card, you will see that the Citibank Citi Hilton HHonors Visa Signature Card is one of the better ones out there. Taking into consideration no annual fee, lower APR and high rewards for staying at Hilton properties or even the 2x and 3x points for everyday purchases, the Citibank Citi Hilton HHonors Visa Signature Card is a great option to use for a range of needs. If you are comparing cards, look for the ones that offer you the most benefit without costing too much in fees or rates.