Hilton HHonors® Platinum Credit Card from American Express™

Earn 10,000 HHonors bonus points after your very first purchase on the Card - enough for a free night Earn 30,000 bonus points after you spend $5,000 in 5 months - that's in addition to the 15,000 you would earn for your Card spending Earn 10,000 HHonors bonus points over the course of your first four stays at any participating Hilton Family hotels (2,500 HHonors bonus points each stay) including Doubletree®, Embassy Suites Hotels®, Hampton Inn® and more Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments and more Get 3 HHonors bonus points for each eligible dollar you spend everywhere else No annual fee No Blackout dates! If a standard room is available, you can redeem points for it. Express Approval. Get a decision in less than 60 seconds. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 2.90%* 6 Months* Prime + 9.99%* None* Yes* Excellent Credit*

Review: Hilton HHonors® Platinum Credit Card from American Express®

Type of credit needed: Excellent Credit

Type of card: Hotel Rewards

Issued by: American Express™

Overview: The Hilton HHonors Platinum Credit Card from American Express is designed for those who frequently stay in Hilton Hotels. Cardholders earn points for every eligible purchase, and extra points are awarded for purchases made at Hilton Hotels, as well as those made at grocery stores, gas stations, and other select locations. Bonus points are awarded for the first purchase made with the card, when certain spending levels are reached, and for staying at Hilton Hotels. Although points do not expire, the number of points earned per dollar spent will decrease after certain spending levels are reached. Points can be redeemed at any Hilton Hotel location. Cardholders can also take advantage of the Hilton HHonors rewards program to earn extra points and air miles when they stay at a Hilton Hotel. A low introductory APR, no annual fee, and access to standard American Express benefits are also features of this card.

Pro and cons of the card:

Pros:

• Low introductory APR
• Generous points program
• Earn extra points for purchases made at Hilton Hotels and other select locations
• Earn bonus points for the first card purchase
• Earn bonus points when you spend a certain amount on the card
• Bonus points for staying at Hilton Hotels
• Points do not expire
• Cardholders can also benefit from the Hilton HHonors rewards program
• Redeem points at any Hilton Hotel
• No annual fee
• Access to standard benefits like auto rental and travel accident insurance

Cons:

• High APR after introductory term
• Points can only be redeemed at Hilton Hotels
• Restrictions on point earnings

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/hiltonaccept10 (www.americanexpress.com/hiltonaccept10) credit card application for details about terms and conditions and offers.