Improved Citi Hilton Reserve Card Offers $100 Statement Credit

I generally don’t talk a lot about the various Hilton credit cards because after devaluing their loyalty program the sign-up bonuses are just half as valuable. One card that continues to stand out is the Citi® Hilton HHonors™ Reserve Card because it provides two weekend nights after spending $2,500 in the first four months. Used well, that can be worth 190,000 points at some Category 10 properties during the high season.

The Reserve Card was also, for a while, one of the few cards to offer complimentary Hilton HHonors Gold elite status as long as you were a cardholder. It still does, and now other cards do, too. This status provides a chance at an upgrade, free breakfast, and free Internet. The benefits can be pretty good even at nicer hotels like the Conrad Hong Kong. This status alone is one reason some people continue to carry the card after the first year and pay the $95 annual fee.

Million Mile Secrets‘ reader matthewD shared a link to an improved Reserve Card offer that includes a $100 statement credit if you complete one night at a Hilton property in the first three months. The other terms remain the same, including the two free nights after spending $2,500 in the first four months.

Hilton Statement Credit offers

Even those who don’t frequent Hilton properties should consider this card. Hilton Gold status is one of the easiest ways to get trial Diamond status with Hyatt Gold Passport (either that or Priority Club Platinum). All Hyatt requires is that, in addition to the elite status you also need to show evidence of at least one night on a recent account statement. It could be an award night, or it could be a night that earns you a $100 statement credit on your new Hilton Reserve Card. 😉

Other benefits of the Reserve Card include an additional free weekend night each year when you spend $10,000, 10X points at Hilton properties, 5X points on airfare and car rentals, and 3X points everywhere else. However, I generally don’t recommend the Reserve Card to those who are already frequent guests at Hilton and don’t need the free status. The Hilton Surpass credit card from American Express offers a superior 12X points at Hilton properties, and in my opinion there are already many better credit cards for earning bonus points on travel and general purchases.

Citi® Hilton HHonors™ Reserve Card

Application Link — $95 annual fee

  • Two free nights after spending $2,500 in the first four months
  • $100 statement credit after spending one night at a Hilton property in the first three months
  • Complimentary Hilton HHonors Gold elite status

Disclaimer: This post does not include any affiliate links.

Using SPG Points to book Bangkok Airways (via JAL)
Review: Returning to the Hyatt Regency Vancouver
  • Joe

    Is the annual fee waved the first year?

    • othermike27

      No, it is not.

      Got this card last year, and did a dumb thing: accidentally included the $95 fee in counting spend on the card, so missed the $2500 requirement for 2 free weekend nights by a few bucks. Since then, the card has been in a drawer as I contemplate what to do.

      Any suggestions Scott? I’m prepared to cancel the card since I also have the AMEX HIlton. It was my mistake, but it will be Citi’s loss if they won’t bend a bit!

      • Scottrick

        I’d cancel. Citi is not very flexible.

    • Scottrick


  • Locke42

    One point in favor of the Reserve vs the Surpass is that I believe the Reserve doesn’t have foreign transaction fees.

    One point against the Reserve is that the two free nights expire. So it’s probably not a good idea to apply for this card unless you’re sure you’ll use the two free nights. In my case, I can’t be sure of that, so I’m applying for points-based cards since at least those don’t have a hard expiration date, and I think the no-AF Citi Hilton is churnable.

    • othermike27

      Correct on the FTF difference, but this may not be such a big issue, depending on your situation. The Reserve card is $95 per year, while the Surpass is $75. So, you could rack up $720 in charges on your Surpass card, add AMEX’s 2.7% FTF fee on top of that (about $19.45) and hit break-even with the Reserve card. Or, put another way, you would spend less out-of-pocket with the Surpass card and its 2.7% FTF if you incur less than $720 in foreign transactions per year.

      If you have another card with no FTF (e.g., Chase CSP among many others) for most of your foreign spend, you might be better off with the AMEX Surpass. In my case, I am unlikely to spend $700 per year on foreign Hiltons, so this works out. But not so great for frequent travelers who stay at Hilton properties.

  • Antonio

    Is it possible to churn this card for multiple signup bonuses of 2 free nights? I’ve had this card for a year now, thinking of cancelling, then reapplying at some point.

    • Scottrick

      It’s always possible. I’ve seen multiple bonuses even on cards people say can’t be churned. But you should wait at least a year to reapply.

  • steven hanson

    Yes, you can get another card. I cancelled after a year, waited 2 months, did the spend and have already made reservations with my 2nd set of certs.

  • Broheme

    So to get the $100 statement credit, your room is not included in the $100 that must be spent, correct? You actually need to make $100 in on-property charges?

    • Scottrick

      The room is included. Offer details: “EARN A $100 STATEMENT CREDIT after you spend $100 or more on your first hotel stay…”