Target REDcard vs Hilton Honors American Express Ascend

Product Comparison
January 18, 2021

Hilton Honors American Express Ascend vs Target REDcard: Side-by-Side Comparison

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PROS
  • Significantly better cost than Hilton Honors American Express Ascend
CONS
PROS
CONS
  • Worse cost than Target REDcard
Target REDcard vs. Hilton Honors American Express Ascend: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Hilton Honors American Express Ascend
Winner
3.9
Overall Score
Overall Score
4.7
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
2.0 stars – 1 review
5.0 stars – 2 reviews
5.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 1 review
4.0 stars – 2 reviews
4.0 stars – 1 review
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
4.0 stars – 1 review
1.0 stars – 1 review
0.0 stars – 0 reviews
3.0 stars – 1 review
Return Check Fee
3.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
5.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
5.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
5.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
5.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
4.0 stars – 1 review
2.0 stars – 1 review
Card Quality
0.0 stars – 0 reviews
Target REDcard
   
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Target REDcard vs. Hilton Honors American Express Ascend: Comparison Details

Best Cost – Winner: Target REDcard
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

2.0 stars

Unfortunately, Hilton Honors American Express Ascend does not currently offer no annual fee. You can also visit Hilton Honors American Express Ascend's cost customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their cost.

Last reviewed February 9, 2020. Read 1 no annual fee review.

Target REDcard
   
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Hilton Honors American Express Ascend
   
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Best Rewards – Tie
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

5.0 stars

Yes, Hilton Honors American Express Ascend does offer sign up bonus. You can find additional information about Hilton Honors American Express Ascend's rewards on their customer service page here. You can also visit their homepage to see if Hilton Honors American Express Ascend has posted additional information on their rewards.

Last reviewed February 9, 2020. Read all 2 sign up bonus reviews.

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Best Additional Bonuses – Winner: Hilton Honors American Express Ascend
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of additional bonuses relative to other credit card stores.

The review site usnews.com gives Hilton Honors American Express Ascend excellent ratings for additional bonuses in a review posted on its website. Specifically, this reviewer pointed out the following:

Cardholders can earn 125,000 bonus points welcome offer after making $2,000 in eligible purchases within three months from account opening. You can earn a free weekend night award after you make $15,000 in eligible purchases on your card in a calendar year.

The review site nerdwallet.com gives Hilton Honors American Express Ascend excellent ratings for additional bonuses in a review posted on its website. Specifically, this reviewer pointed out the following:

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.

The review site creditcards.com gives Hilton Honors American Express Ascend excellent ratings for additional bonuses in a review posted on its website. Here's a brief quote from this review:

125,000 points if you spend $2,000 in first 3 months

Learn more at the company's website.

You can also check out the top 10 credit card stores for additional bonuses, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 perks reviews.

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Best APR – Tie
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of APR relative to other credit card stores.

Based on information pulled from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs well on APR relative to its peers. You can read additional information here. Here's a snippet from the information published on their site:

17.24% to 26.24% variable APR on purchases.¤

One reviewer on usnews.com said Hilton Honors American Express Ascend performs well on APR relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

This card has an annual fee of $95 and a variable purchase APR of 17.24% to 26.24% variable

One reviewer on nerdwallet.com said Hilton Honors American Express Ascend performs well on APR relative to its peers. You can read the full review here. From this review:

17.24% - 26.24% Variable APR

Learn more at the company's website.

You can also check out the top 10 credit card stores for APR, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 interest rates reviews.

Target REDcard
   
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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of security features relative to other credit card stores.

Based on information published by Hilton Honors American Express Ascend, they have excellent support for security features on a page posted on their website. Specifically, their website provides the following information:

Our advanced security systems look for irregularities that signal fraud and can send you an update.

The review site experian.com gives Hilton Honors American Express Ascend excellent ratings for security features in a review posted on its website. Here's a brief quote from this review:

If there's ever a fraudulent charge on the card, you can rest easy knowing there is zero liability for fraudulent purchases you report to Amex.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 fraud protection reviews.

Target REDcard
   
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Best Cash Advance Cost – Winner: Hilton Honors American Express Ascend
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of cash advance cost relative to other credit card stores.

One reviewer on usnews.com said Hilton Honors American Express Ascend performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Either $10 or 5% of the amount of each cash advance, whichever is greater.

One reviewer on experian.com said Hilton Honors American Express Ascend performs well on cash advance cost relative to its peers. You can read the full review here. From this review:

Cash Advance Fee: $10 or 5% of advance amount, whichever is greater

One reviewer on creditcardinsider.com said Hilton Honors American Express Ascend performs well on cash advance cost relative to its peers. You can read the full review here. From this review:

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 cash advance fees reviews.

Target REDcard
   
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Best Return Check Fee – Tie
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on creditcardinsider.com, Hilton Honors American Express Ascend was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Up to $39

Based on a review posted on finder.com, Hilton Honors American Express Ascend was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Late and returned payments come with hefty fees of up to $39.

Based on a review posted on businessinsider.com, Hilton Honors American Express Ascend was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Here's a brief quote from this review:

Other fees, like late fees and returned payment fees up to $39 a pop, are pretty standard for the industry.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 returned payment fees reviews.

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Best Damage and Loss Protection – Winner: Hilton Honors American Express Ascend
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of damage and loss protection relative to other credit card stores.

The review site creditcardinsider.com gives Hilton Honors American Express Ascend excellent ratings for damage and loss protection in a review posted on its website. Specifically, this reviewer pointed out the following:

Purchase Protection: Eligible purchases are covered for accidental damage and theft for 90 days.

The review site millionmilesecrets.com gives Hilton Honors American Express Ascend excellent ratings for damage and loss protection in a review posted on its website. From this review:

When you use your Amex Hilton Honors Surpass for an eligible purchase, you’re covered for 90 days if the item is accidentally damaged or stolen. Coverage is limited up to $1,000 per occurrence or $50,000 per account per calendar year. Check out the terms for purchase protection here.

The review site onemileatatime.com gives Hilton Honors American Express Ascend excellent ratings for damage and loss protection in a review posted on its website. Specifically, this reviewer pointed out the following:

Purchase protection, offering protection on eligible purchases that are accidentally damaged, stolen, or lost; valid for up to 90 days, and $1,000 per occurrence, and $50,000 per calendar year

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 purchase protection reviews.

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Best Extended Warranty Protection – Winner: Hilton Honors American Express Ascend
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of extended warranty protection relative to other credit card stores.

The review site onemileatatime.com gives Hilton Honors American Express Ascend excellent ratings for extended warranty protection in a review posted on its website. From this review:

Extended warranty, where you can get up to one extra year added to the original manufacturer’s warranty, for warranties of five years or less

One reviewer on millionmilesecrets.com said Hilton Honors American Express Ascend performs well on extended warranty protection relative to its peers. You can read the full review here. From this review:

When you make an eligible purchase with the Hilton Surpass card, Amex extends the original manufacturer’s warranty up to one year on eligible warranties of five years or less. Here’s more about limitations and exclusions with the card’s extended warranty coverage.

The review site thepointsguy.com gives Hilton Honors American Express Ascend excellent ratings for extended warranty protection in a review posted on its website. From this review:

The card’s extended-warranty protection may add up to two years to the manufacturer’s original warranty; the card’s return protection may reimburse you when you attempt to return a recently purchased item but the merchant won’t accept it; and the card’s purchase protection covers recent purchases against theft and accidental damage.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: Hilton Honors American Express Ascend
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

5.0 stars

Yes, Hilton Honors American Express Ascend does offer no foreign transaction fees. You can find additional information about Hilton Honors American Express Ascend's foreign transaction costs on their customer service page here. You can also visit their homepage to see if Hilton Honors American Express Ascend has posted additional information on their foreign transaction costs.

Last reviewed February 9, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Winner: Hilton Honors American Express Ascend
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

5.0 stars

Yes, Hilton Honors American Express Ascend does offer tap to pay. You can find additional information about Hilton Honors American Express Ascend's contactless payment on their customer service page here. You can also visit their homepage to see if Hilton Honors American Express Ascend has posted additional information on their contactless payment.

Last reviewed February 9, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: Hilton Honors American Express Ascend
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Hilton Honors American Express Ascend's website, Hilton Honors American Express Ascend performs very well in terms of debt transfer fees relative to other credit card stores.

One reviewer on supermoney.com said Hilton Honors American Express Ascend performs well on debt transfer fees relative to its peers. You can read the full review here. Here's a brief quote from this review:

3% Balance transfer fee. American Express Hilton Honors Ascend charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.

One reviewer on usnews.com said Hilton Honors American Express Ascend performs well on debt transfer fees relative to its peers. You can read the full review here. From this review:

Either $5 or 3% of the amount of each transfer, whichever is greater.

One reviewer on finder.com said Hilton Honors American Express Ascend performs well on debt transfer fees relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

$5 or 3% of the transaction, whichever is greater

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Hilton Honors American Express Ascend coupons? Check out the latest deals here. Want more reviews on Hilton Honors American Express Ascend? Read a more in-depth review of Hilton Honors American Express Ascend on this page.

Last reviewed February 9, 2020. Read all 2 balance transfer fees reviews.

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