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Earn 125,000 Points & Stay Under the “5/24 Rule” With This Brand New AMEX Hilton Card!

Earn 125,000 Points & Stay Under the “5/24 Rule” With This Brand New AMEX Hilton Card!

Million Mile SecretsEarn 125,000 Points & Stay Under the “5/24 Rule” With This Brand New AMEX Hilton Card!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Great news for Hilton fans with small businesses!

You can now apply for the new Hilton Honors American Express Business Card.  And through June 27, 2018, you’ll earn 125,000 bonus Hilton points after spending $5,000 on purchases in the first 3 months of account opening.

This is a terrific welcome bonus, and the card comes with lots of other perks!  Plus, because AMEX business cards don’t show up on your personal credit report, signing up for this card won’t count towards Chase’s “5/24” rule!

And getting approved for a small business card is easier than you think.

Hilton Honors American Express Business Card Review
The New AMEX Hilton Business Card’s Bonus Could Get You a Free Night at the Hilton Conrad Koh Samui

I’ll share some ideas on how to qualify, and a few ways to use the Hilton Honors American Express Business Card bonus for Big Travel with Small Money.

My Review of the AMEX Hilton Business Card

Link:  Hilton Honors American Express Business Card

The AMEX Hilton Business Card is open for business, and it looks enticing!  You’ll earn 125,000 Hilton points after spending $5,000 in purchases on your card in the first 3 months of card membership.

You’ll also get:

  • 12X Hilton points at Hilton hotels and resorts
  • 6X Hilton points on select business & travel purchases (including wireless phone services from US providers, US restaurants, US gas stations, car rentals, and more)
  • 3X Hilton points everywhere else
  • Complimentary Hilton Gold status (Late checkout, free breakfast at most Hilton hotels, complimentary upgrades, 25% bonus on all the Hilton base points you earn)
  • Hilton Diamond status after you spend $40,000 on eligible purchases on your card in a calendar year (you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year)
  • A weekend night after spending $15,000 in purchases on your card in a calendar year
  • A 2nd weekend night after spending an additional $45,000 in purchases on your card in the same calendar year
  • Priority Pass™ Select membership with 10 free visits each year (enrollment required).  Each guest you bring costs an additional free visit
  • Terms & limitations apply

The $95 annual fee is NOT waived for the first year.  But I’d gladly pay it to earn 125,000 Hilton points and free Gold elite status!

Note:   AMEX small business cards do NOT appear on your personal credit report.  So they won’t count toward your Chase “5/24” limit!  Team members Jasmin & Keith are using this trick to get under the “5/24” rule so they can earn lucrative Chase sign-up bonuses again.

What Makes the AMEX Hilton Business Card Unique?

The AMEX Hilton Business card comes with a few perks you won’t find on other cards.

If you’re a big spender, this card is worth keeping year after year.  The weekend nights you’ll earn after spending $15,000 and $45,000 on purchases in a calendar year is an excellent benefit.  You can use these weekend nights at almost any Hilton hotel, including the Conrad Koh Samui, which can easily cost $600+ per night!

And you’ll earn Hilton Diamond status, Hilton’s highest elite status, after spending $40,000 on purchases in a calendar year.  That comes with things like a 50% bonus on base points, room upgrades, executive lounge access, etc.  So by spending $45,000 on the card, you’ll earn 2 weekend nights and Hilton Diamond status.

And folks who don’t have lounge access with another card will appreciate the 10 Priority Pass lounge visits per year.

The card also comes with the usual valuable AMEX perks, like:

Hilton Honors American Express Business Card Review
Paying for AMEX Rental Car Insurance Could Be Worth for Longer Car Rentals

All of these benefits make this a very valuable card for just a $95 annual fee!

How You Might Qualify for a Small Business

Qualifying for a small business card isn’t as complicated as you might think.  You don’t need to be a million dollar corporation to open a small business card.  You can use your own name as the legal business name.  And your social security number as your business tax ID!

There are lots of side gigs you might want a business card for.  Here are just a few activities that could qualify you for a small business card:

Hilton Honors American Express Business Card Review
Qualifying for a Business Card Does NOT Mean You Have to Be Running a Full-Time Business. You Could Be a Part-Time Freelance Graphic Designer

As a general rule, if you aren’t getting a W-2 form at the end of the year, you aren’t an employee and should qualify for a business credit card.  But I am not a tax advisor, so always consult with a professional and do what is best for your situation.

Even though AMEX business cards won’t appear on your personal credit report, the bank will check your personal credit score.  So I only recommend applying if your credit score is ~700 or higher and you can afford to pay off your credit card balance in full each month.

If you think you’ll qualify for the card and you’re ready to apply, check out my step-by-step guide on how to complete an AMEX small business card application.

How to Use 125,000 Hilton Points!

Hilton hotels are conveniently located and have lots of brands directed at different kinds of travelers.  Hilton is one of the biggest hotel chains, so there’s likely a Hilton hotel nearby, no matter where you’re traveling!

Hilton hotels include:

Hilton points are not nearly as valuable as hotel points you’ll earn at other hotels, like Hyatt and Starwood.  But you can earn Hilton points MUCH faster than many other hotel chains.  And it’s free to pool your Hilton points together with up to 10 friends and family each year!  So booking expensive awards should be easier.

Hilton also gives you the option to pay for part of your award stay with points using the Points & Money feature.  This is a great way to stretch your points even further.

Hilton Honors American Express Business Card Review
With Hilton’s Points & Money Feature, You Could Get More Value From Your Points

Top-tier Hilton hotels can cost 95,000 Hilton points per night.  So after you meet the AMEX Hilton small business card‘s spending requirements, you could use your 125,000 points to book 1 night at the best Hilton locations, like the Conrad Maldives, which can cost $1,400+ per night.  And still have a bunch of points left over!

Or use the points to book a cheaper hotel, like the DoubleTree Kuala Lumpur for over 2 weeks!  It only costs 10,000 Hilton points per night.  And because you’ll get automatic Gold status when you have the AMEX Hilton small business card, you’ll get every 5th award night free!  So you can stay 15 nights with 120,000 Hilton points (10,000 points per night X 15 nights = 150,000 points – 30,000 points for the 5th, 10th, and 15th night free)

Bottom Line

The brand new Hilton Honors American Express Business Card is now open for applications!  And it has a great welcome bonus and terrific perks like complimentary Gold Elite status and Priority Pass airport lounge visits!

Until June 27, 2018, you can earn 125,000 Hilton points after spending $5,000 in purchases on your card in the first 3 months of card membership.

With this bonus, you could book a long vacation at one of Hilton’s more inexpensive hotels.  Or you could stay a night at a top-tier hotel, like the Conrad Koh Samui.

Qualifying for a small business card might be easier than you realize.  You can apply as a sole proprietor, and use your own name and social security number on the application.  And lots of activities, like selling on eBay, renting your room on Airbnb, and driving with Uber or Lyft could make you eligible for a small business card.

What do you think of the new Hilton Honors American Express Business Card ?  Let me know in the comments!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

  • Limited Time Offer: Earn 125,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on your Card in the first 3 months of Card Membership. † Offer ends 6/27/2018
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold status with your Hilton Honors Business Card. ‡
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. ‡
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. ‡
  • Relax with 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. ‡
  • Terms apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I just started using the Amex Hilton Honors Business Card and LOVE IT! If you run your business on Quick Books Online, you will love this card. Also, if you have employees who need a business card, this is the card for you. The Spend Manager App allows them to upload a photo of their receipt and attach it to their transaction. As the owner, I then see the receipt. I can add notes, too. Then, when I update my QBO everything transfers into the program. No more receipts! My employees can also see their spending limits which helps them to manage their budgets. They have more ownership of their portion of the business. I would recommend this card with employees who have purchasing and spending power within the business. No other card I have for my business offers this type of app to help keep my business organized.

The second weekend night actually comes at $60,000 spend…the $45,000 is additional to the $15,000 needed to get the first weekend night

Million Mile Secrets

Yes, you are correct.

Do I have to use the card for business expenses only? Can use this card for personal ones?

Million Mile Secrets

In general, you’ll want to use the card for business expenses only because it makes booking keeping MUCH easier. But you don’t have to.

Great article. Informative. I have the personal Hilton Honors Card. Love it. Citi Bank Visa. New Amex is on the way.

Million Mile Secrets

Thanks! The new Hilton cards are pretty exciting!

Seems like for anyone who can’t get the bonus on the Ascend card (had the Surpass), this would be a good alternative to get or switch out to.

Actually since there is no points bonus for the Aspire card, probably would make sense to upgrade an existing Surpass/Ascend card if you’re just looking to get the small business card to replace the Surpass.

Nevermind, there is a 100k signup bonus for the Aspire as well.

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