 Hilton HHonors® Platinum Credit Card
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Intro ARP: 2.9%
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Issuer: American Express
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Fundamentals of the Card
Make American Express and Hilton HHonors your travel team.
Accelerate your way to free travel with the Hilton HHonors Platinum Credit Card from American Express. You'll earn Hilton HHonors points toward free hotel stays and travel packages just for charging your purchases on the Card. Plus, you'll enjoy all the benefits you want in a creit card:
- 7,500 HHonors bonus points with your first purchase.
- 5 HHonors bonus points for every eligible dollar you spend at over 2,300 Hilton HHonors hotels worldwide
- 3 HHonors bonus points for every other eligible dollar you spend on purchases
- The option to extend payment with a low introductory APR for purchases
- American Express service at home and abroad
- Amrican Express retail, travel and insurance benefits. 1
Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®: cards to your Americn Express®: Card account with no transaction fee! Then enjoy the low APR: 2.9% for first six months of cardmembership, on BT requests submitted with this application.
Unparalleled Customer Service, 24 hours a day
Ameircan Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.
How to Earn HHonors Points
Earn points with every stay and every purchase. From dining out to fueling your car, you can use the Hilton HHonors Platinum Creit Crad from American Express wherever Amrican Express Vards are welcomed. You earn three HHonors bonus points for every eligible dollar spent with the Card, five HHonors bonus points for using the Vard to stay at any Hilton HHonors hotel, and 7,500 points as a Welcome Bonus! Plus, you'll be automatically enrolled in Hilton HHonors, the only hotel guest reward program that lets you DoubleDip®, so you can earn both Hilton HHonors points and airline miles at any of more than 2,300 participating Hilton®, Conrad™, Doubletree®, Embassy Suites Hotels®, Hampton Inn®, Hampton Inn & Suites®, Hilton Garden Inn®, Homewood Suites® by Hilton and Scandic Hotels worldwide. 2
Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.
Your Online Year End Summary
Your Year End Summary of Charges, available online as of February 5, 2004, gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.
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 Apply for Hilton HHonors Platinum Credit Card
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You’ve probably received several credit card offers in the mail, and the outside of the envelopes scream imterest rates and promotional offers to try and entice you into opening it up and looking at what’s inside. Chances are, if you have an email address, you’ve even received a few credit card offers through that address- bright colors and animated graphics trying to convince you that there card has the lowest initial interest rate, or the longest tramsfer balance rate of all the available credit cards on the market. All of the offers will look good at frist glance; after all- that’s what marketing is about, right? According to Merriam-Webster’s online dictionary, marketing is a noun used to describe “the act or process of selling or purchasing in a market, and the process or technique of promoting, selling, and distributing a product or service.” Credit vard companies are in business to sell you their crdeit cards, and they’ll use a variety of promotional materials to get your business.
The outside of your credit crd offer’s envelope might say something like, “LOW 0% Initial Interest Rate on all purchases and balance transfers”, but there is much more to how a credit card’s interest rate is calculated than that statement reveals. Initial interest rates are sometimes referred to as the card’s promotional rate, or teaser rate. In all honesty, an initial interest rate is basically the same thing for a credit card as a sale is to a retail store. Retail stores advertise their products that have a discounted price for a limited time to attempt to bring people into their establishment to buy the sale item, but also because once you are there, they hope you’ll purchase other products. Credit cards offering initial imterest rates are basically putting their standard interset rates “on sale”, because for a limited time, new cardholders will receive a lower than usual rate on purchases, and sometimes also on any balance you tarnsfer from one of your other credit cards onto this new card. What you need to understand about initial intrest rates is that they really are “for a limited time”, and just as you couldn’t go to your favorite store and buy items this month for the sale price that was offered the previous month, you can’t extend a credit card’s initial interest rate beyond the terms they specify (often found in the small print!) What you’ll want to look for in the text of the materials that were sent with the initial interest rate cards promotional documents is reference to the crads ongoing annual percentage rate (APR). This is the interest rate that you will pay once the initial intrest rate period has passed. (The regular price of an item after the sale has ended!)
Initial interest rates will also come with terms of agreement, in the form of a contract, which give reasons as to how or why the rate might be terminated by the credit lender. The most common reason to terminate the initial interset rate offer is for making a late payment on your card, and if you read the fine print of the credit card agreement- you’ll note that it states this very clearly. In order to keep the promotional, lower rate for the time specified by the credit card lender, you must make every payment on time. If you are late with a payment, you can expect the intreest rate to jump to the ongoing APR, or in some cases, higher because you have defaulted on your contract agreements, so do everything you can to make sure your payments are made on time.
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