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Hilton American Express Cards Limited-Time Offers – Up to 130,000 Hilton Points Each

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Hilton Hotels has two American Express consumer cards, a no annual fee and a $95 annual fee version (with more perks of course). There is also a business card version. Right now, the consumer cards have a limited-time increase to their welcome offer, from 90,000 to 130,000 points + free weekend night. (Offers have been 50k and 100k in the past.) Each person can only get one welcome offer, per card in your entire lifetime, so it’s best to apply during one of these temporary bump-ups. (You could get all three of these welcome offers separately, but only one per card per person per lifetime.)

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 90,000 points = $450 value and 130,000 points = $650 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you keep them active (once every 12 months), I do like to keep some around. These credit cards are good at creating activity, but here’s another tip on how to keep Hilton points active.

Hilton Honors American Express Surpass® Card

  • 130,000 Hilton Honors Bonus Points and a free weekend night reward after you $4,000 in purchases within first 4 months.
  • Earn an additional Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • Spend $40,000 in a calendar year on this card and get Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.

(This offer is for first-time Surpass cardmembers only, and not eligible for those who previously had an Ascend Card.)

Hilton Honors American Express Card

  • 90,000 Hilton Honors bonus points after $2,000 in purchases within the first 3 months.
  • 7X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 5X Hilton Honors points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • 3X Hilton Honors points for all other eligible purchases.
  • Free Honors Silver status (5th standard reward night free, 2 bottles of water in your room).
  • Spend $20,000 in a calendar year on this card and get Honors Gold status through the end of the next calendar year.
  • No foreign transaction fees.
  • No annual fee.

Hilton Honors American Express Business Card

  • 125,000 Hilton Honors bonus points after $3,000 in purchases within the first 3 months.
  • Earn a Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year.
  • 12X Hilton Honors points on purchases at hotels and resorts in the Hilton portfolio.
  • 6X Hilton Honors points on Select Business & Travel Purchases (ex. U.S. gas stations, U.S. restaurants, flights booked directly with airlines)
  • 3X Hilton Honors points for all other eligible purchases.
  • Free upgrade to Honors Gold status (free breakfast, room upgrades based on availability, 5th standard reward night free).
  • 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • $95 annual fee.

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their policy to only allow each person to get a welcome bonus once per card per lifetime.

During the limited-time offer, I will be adding the Hilton Honors American Express Surpass Card with a total net estimated first-year value of over $600 to my list of Top 10 Best Credit Card Bonus Offers.

American Express Blue Business Cash Card: 2% Cash Back on First $50,000 in Purchases, No Annual Fee

The American Express Blue Business Cash Card is a new business rewards card that earns 2% cash back on up to $50,000 of purchases per calendar year (then back down to 1% after that) and no annual fee. There is also a 0% intro APR offer on purchases and balance transfers for 12 months (variable rate after intro period). This card replaces the SimplyCash Plus card, which has been discontinued and is no longer open to new applicants.

This is a solid offer for small business owners who want a simple-yet-competitive rewards credit card. If your business purchases don’t exceed $50,000 within each calendar year, this card provides flat 2% cash back and no annual fee. (Many other 2% cash back cards charge an annual fee.) In addition, your cash back is automatically credited to your statement as a statement credit, so you don’t have to remember to redeem anything. Easy. Automatic. I would say the only drawback is that there is no welcome offer.

My primary small business card for day-to-day spending is the sibling Blue Business Plus Card from American Express (my review), which offers 2X Membership Rewards points on the first $50,000 in purchases each year and no annual fee. I prefer earning the double Membership Rewards points per dollar over 2% cash back because I regularly redeem each MR point for more than 1 cent per point of value. I enjoy the flexibility of having some Membership Rewards in my back pocket to convert to miles, points, etc, and I like not having to pay an annual fee.

If you don’t expect to get at least 1 cent per mile value by converting to airline miles or hotel points, then this card is better.

Business credit card eligibility. Many people aren’t aware that they can apply for business credit cards, even if they are not a corporation or LLC. Any individual can be a small business. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some graphic design, web design, freelancing and/or consulting. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

This card will require you to personally guarantee that you’ll pay them back what you charge on the card, which means they’ll check your personal credit score like any other consumer card. However, as the card is a business card, American Express won’t have it show up on your personal credit report, so it won’t change things like your credit limits, average account age, or credit utilization ratio.

Bottom line. The American Express Blue Business Cash Card is a new small business card that earns a flat 2% cash back on ALL purchases up to $50,000 per calendar year with no annual fee. This is a high cash back percentage, and your rewards are automatically credited on the next monthly statement, so you don’t have to remember to redeem anything.

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