Hilton Honors Credit Card
Hotel credit card with Gold status, Hilton Honors points and no foreign currency fee for €6 a month.
Score: 6.9 / 10 · Fair
Rating: 7.0 / 10 · No reviews yet
Best for: Hilton guests & hotel points
Overview
The Hilton Honors Credit Card is a genuine credit card from Advanzia Bank on the Mastercard network. Hotel credit card with Gold status, Hilton Honors points and no foreign currency fee for €6 a month. The annual fee is €72. The card also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Hilton guests & hotel points. Its strengths lie in travel and use abroad, collecting points or miles (worth approx. 0.4 %) and included travel insurance. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 24.95 %).
How the score is calculated
Overall score: 6.9 / 10 · Fair
| Costs (30 %) | 3.8 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 4.5 / 10 |
| Cashback & bonus (10 %) | 4.3 / 10 |
| Features (6 %) | 3.4 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Interest safeguard: −0.6 points due to high effective interest on installments.
Highlights
- Instant Hilton Honors Gold status
- 1 point per €, 2 points per € at Hilton
- No foreign currency fee
- Travel insurance included
Costs & Fees
| Annual fee | €72 |
|---|---|
| Welcome bonus | 50,000 points |
| Eff. annual interest | 24.95 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | Advanzia Bank |
50,000 Hilton Honors bonus points when applying by 5 Nov 2026 (normally 6,000)
The annual fee is €72. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 24.95 % (for instalment payments). Billing: Monthly billing with optional instalment (revolving) repayment; interest on cash from the withdrawal date.
Redirect to provider · non-binding
This card in our comparisons: Travel Credit Cards · Miles & Cashback Credit Cards · Credit Cards With Insurance · Credit Cards With Instalments
Related guides: Rental car deposits with a credit card · Using a credit card abroad: how to avoid fees · Credit card travel insurance: what's covered
Similar credit cards
- Hanseatic Bank GenialCard – Popular fee-free credit card with free cash withdrawals abroad.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
Frequently asked questions
- What does the Hilton Honors Credit Card cost per year?
- The Hilton Honors Credit Card costs €72 per year.
- Does the Hilton Honors Credit Card charge foreign currency fees?
- No. With the Hilton Honors Credit Card you pay no foreign currency fee worldwide.
- Is the Hilton Honors Credit Card a genuine credit card?
- Yes, the Hilton Honors Credit Card is a genuine credit card with a credit line (effective annual interest 24.95 %).
- Does the Hilton Honors Credit Card include travel insurance?
- Yes, the Hilton Honors Credit Card includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Hilton Honors Credit Card require a SCHUFA check?
- Yes, Advanzia Bank runs a SCHUFA credit check for the Hilton Honors Credit Card; a negative SCHUFA record can lead to rejection.
- How is money on the Hilton Honors Credit Card protected?
- Statutory deposit guarantee Luxembourg (FGDL – Fonds de garantie des dépôts Luxembourg), up to €100,000. No voluntary top-up.