Citi and Hilton Bring You A Better Travel Credit Card

///Citi and Hilton Bring You A Better Travel Credit Card

By Casey B. Miller | Aug 30, 2012 | Updated: Sep 11, 2019
3 min read

The Citi and Hilton HHonors Reserve Visa Signature Credit Card is one of the latest credit cards to bring together the convenience of credit and benefit rewards from a renowned hotel chain.

Credit cards are common enough in today’s world that you don’t even need to use them to know what kinds of benefits they can provide. This is especially true of cards with travel rewards, like the brand new Citi and Hilton HHonors Reserve Visa Signature Credit Card. This card is new to the scene, but offers many benefits that are extremely competitive when compared to other cards that are popular in today’s market.

The basic benefits, then, are quite simple. For the – albeit significant – $95 annual fee, this card provides all kinds of perks, privileges, and other rewards that will definitely benefit consumers who travel often. To break down the benefits, the Citi and Hilton HHonors Reserve Visa Signature Credit Card offer:

  • 5 points for every $1 you charge towards airline and rental car reservations
  • 10 HHonors Bonus Points for every $1 you charge towards reservations made within the Hilton family of hotels (that’s a bonus, which means they are in addition to the base earnings)
  • A base of 3 points for every $1 you charge on all other unrelated purchases
  • You can also get a certificate valid towards two weekend-overnight stays once you reach $2,500 in charges in the first four months.
  • Another annual bonus worth one weekend-overnight stay is available for those who charge at least $10,000 in one calendar year

Obviously, points can be redeemed towards all kinds of rewards, especially those related to travel:

  • Plane tickets
  • Rental car reservations
  • Hotel room bookings

One of the qualms some people have about travel-rewards-based credit cards is that they often do not work internationally. The reason for this has to do with programming: International cards use microprocessor chips that accomplish Near-Field Communication processing, whereas American credit cards, for the most part, still utilize the magnetic strip.

This will be of no concern with the Citi HHonors Reserve Visa Signature Credit Card because Citi has added the chip to this American card, which makes it easy to use anywhere in the world. Similarly, Citi has also waived the traditional foreign transaction fee (which usually rings in around 2-3% of the price of the transaction), the other complaint frequent travelers have.

In addition to this very simple adjustment, though, Citi and Hilton have also developed a host of other perks to be included with the Citi HHonors Reserve Visa Signature Credit Card. This includes all kinds of the things that make it easier for worldly travelers:

  • Free wi-fi
  • Free room upgrades (when available)
  • Access to Hilton Executive lounges all over the world
  • Complimentary food and beverages
  • Access to Visa Signature Concierge no matter you are in the world
  • Exclusive, privileged access to special events, dining establishments, and other specialties through Citi Private Pass

For many international travelers, these privileges alone more than compensate for the annual fee. In particular, though, the lack of a foreign transaction fee could result in savings that are significantly higher than the annual fee and the convenience of executive lounges and free wi-fi definitely make this card worth carrying.

Finally, be sure to remember that you will receive the maximum Citi Honors Reserve Visa Signature Credit Card benefits when you use it at participating hotels within the HHonors affiliate program. This includes:

  • Hilton Hotels & Resorts
  • Hilton Garden Inn
  • Hilton Grand Vacations
  • Homewood Suites by Hilton
  • Home 2 Suites by Hilton
  • DoubleTree by Hilton
  • Conrad Hotels & Resorts
  • Embassy Suites
  • Hampton Hotels
  • Waldorf Astoria Hotels & Resorts
2019-09-11T18:24:41+00:00

Card of the Year

The Card of the Year 2019

ABOC Platinum Rewards Credit Card

News Cardholder Offer:

$150 Statement Credit

Card Most Attractive Features:

Bonus points, Intro rates, Late Payment Will Not Raise Your APR, No annual fee

at Other Issuers secure site

ABOC Platinum Rewards Credit Card

Things to Know About this Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that, the variable APR will be 15.15% - 25.15%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way
  • No Foreign Transaction Fee

Intro APR

0%*

Intro APR Period

12 months*

Regular APR

15.15% -25.15% (Variable)*

Grace Period

25 days*

Annual Fee

$0*

Credit Needed

Good*

at Other Issuers secure site



Card Offers to Consider

2019-09-11T18:24:41+00:00