Are you a current or prospective Hilton loyalist? If so, a credit card linked to Hilton’s HHonors program is a no-brainer. And, for a limited time, one of the HHonors no-annual-fee cards comes bundled with a particularly generous sign-up bonus.

Offer Details

New customers for the Citi Hilton HHonors Visa Signature card can earn 75,000 bonus HHonors points after charging $2,000 within three months of opening an account.

Other card features:

• No annual fee
• Annual percentage rate: variable, currently 15.49%, 17.49%, or 19.49% based on creditworthiness
• Earn 6 HHonors bonus points per $1 spent at Hilton hotels
• Earn 3 HHonors bonus points per $1 spent on purchases at supermarkets, drugstores, gas stations
• Earn 2 HHonors bonus points for each $1 spent on other purchases
• Complimentary HHonors Silver status
• Fast track to Gold status

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The normal sign-up bonus for this card is 40,000 points. There’s no published end date to the 75,000-point offer, and it could be scaled back at any time.

Deal or No Deal

We’re not fans of churning: signing up serially for credit cards solely to earn lucrative bonuses. For the average consumer, such tactics are more time-consuming than they’re worth, and there’s the very real danger of damaging one’s credit rating in the process.

In this case, the up-front bonus is enticing, to be sure. As is the absence of an annual fee. The question, though, is whether there’s a place in your wallet for the card long term. And that question turns on the relevance of Hilton and the HHonors program to your travel.

There is no best loyalty program, or best travel-rewards card. There are only best programs and best cards for you, given your individual travel patterns, your goals, and so on. If the Citi Hilton Visa Signature card makes sense in that context, then by all means sign up for it while the bonus remains at what is likely to be the peak of generosity. Otherwise, move along; nothing to see here.

Reader Reality Check

Is there a place for this card in your wallet?

After 20 years working in the travel industry, and almost that long writing about it, Tim Winship knows a thing or two about travel. Follow him on Twitter @twinship.

This article first appeared on SmarterTravel.com, where Tim Winship is Editor-at-Large.