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The Hilton Honors American Express Business Card
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Limited time welcome bonus:
Through 12/21, you can earn 130K Hilton bonus points for opening the Hilton AMEX Business Card and spending $5,000 in 3 months.
Plus, you’ll earn a free night reward valid at any Hilton worldwide after spending $10,000 in 6 months.
You can also always earn a free night reward when spending $15,000 in a calendar year on this card and another free night reward when spending $60,000 in a calendar year on this card.
That means if you can spend $15,000 by the end of 2022, you’ll earn 130K points and 2 free nights! Or time your spending for 2023 to earn the free nights next year.
Comparison to previous welcome bonus:
The previous limited time welcome bonus was 130K points without the bonus free night.
Welcome bonus terms:
You may not get the welcome bonus on this card if you have or previously had this card.
- 3 points per dollar everywhere
- 6 points per dollar at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants
- 12 points per dollar at Hilton hotels.
- There are no foreign transaction fees.
You’ll need to spend $5,000 on this card within 3 months or $10,000 within 6 months.
You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.
My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.
This card offers Gold Elite status, which gives upgrades, 80% bonus points, 5th night free on awards, late checkout, breakfast, and bottled water.
You can earn Diamond status with $40K/year of spending.
Bonus free nights:
If you spend $15,000 in a calendar year you will receive a free night valid for standard rooms at Hilton hotels worldwide. Best of all, these nights can now be used on any night of the week.
If you spend $60,000 in a calendar year you will receive another free night!
Receive 10 complimentary visits to Priority Pass lounges every membership year.
Business vs Consumer card:
AMEX business cards don’t appear on your credit report. That’s good for several reasons.
First of all they won’t count against your 5/24 count for opening new Chase cards. Only cards on your report that have been opened within the past 24 months count for that.
Second, when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an AMEX business card it’s just not reported, so you can wait until the money is due without it having a negative effect on your score.
Third, if you close a business card it won’t ever have an effect on your score.
You may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that.
Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field
Hilton Card Comparison Chart:
|Hilton AMEX||Hilton AMEX Surpass||Hilton AMEX Business||Hilton AMEX Aspire|
|Welcome bonus||100K points for spending $2,000 in 6 months||170K points for spending $3,000 in 6 months||130K points for spending $3,000 in 3 months||180K points for spending $6,000 in 6 months|
|Points Per Dollar on Everyday Purchases||3||3||3||3|
|Points Per Dollar on Hilton Purchases||7||12||12||14|
|Points Per Dollar on Airlines/Car Rentals||3||3||6||7|
|Points Per Dollar on Wireless Phone Service and Shipping||3||3||6||3|
|Points Per Dollar on US Supermarkets||5||6||3||3|
|Points Per Dollar on US Restaurants||5||6||6||7|
|Points Per Dollar on US Gas||5||6||6||3|
|Points Per Dollar on US online retail purchases||3||4||3||3|
|Foreign Transaction Fees||None||None||None||None|
|Elite status for being a cardholder||Silver||Gold||Gold||Diamond|
|Elite status with spending||Gold if you spend $20K/year||Diamond if you spend $40K/year||Diamond if you spend $40K/year||-|
|Free nights||None||1 after spending $15K/year||1 after spending $15K/year, a 2nd night after spending $60K/year||1 free annual night, a 2nd night after spending $30K/year, a 3rd night after spending $60K/year|
|Priority Pass Lounge Access||None||10 annual uses, ends 1/31/24||10 annual uses||Unlimited uses, ends 1/31/24|
|Airline fee credit||None||None||None||$250 annual credit, ends 12/31/23|
|Hilton Resort Credit||None||None||None||Through 12/31/23, $250 annual credit at select Hilton resorts. Effective now or 1/1/24 for existing cardholders, $200 semi-annual credit at Hilton resorts, up to $400 per year.|
|Hilton Credit||None||$50 quarterly, up to $200 per year||None||$100 off 2+ night stays at Waldorf and Conrad|
|Airfare Credit||None||None||None||$50 quarterly, up to $200 per year|
You can use your Hilton points for aspirational stays, like an overwater pool villa in the Maldives.
With Gold status, you’ll get free breakfast on paid and award stays at hotels like the Waldorf Astoria Jerusalem:
With a breakfast like this, you may not even be hungry for dinner…
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