Know the Rules Before You Apply for Your Next AMEX Hilton Card

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Know the Rules Before You Apply for Your Next AMEX Hilton Card

Harlan VaughnKnow the Rules Before You Apply for Your Next AMEX Hilton CardMillion 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.

Right now, there are increased offers on all 4 AMEX Hilton cards.  In fact, opening 2 of these cards could net you 275,000 Hilton points after meeting the minimum spending.  That’s a huge number of points to work with!

But navigating AMEX application rules can seem challenging.  It’s really not – but you need to know a few qualifiers before you apply.  And AMEX now tells you during the application if you’re eligible to earn the welcome bonus, which takes out all the guesswork.

We don’t know how long these offers will stick around.  So if you’re keen, you should consider applying soon!

I Used Hilton Points to Save $1,000s on a Room at the Hilton Tokyo! You Should Know What to Consider About AMEX Hilton Cards Before Applying

Here’s how to know if you’re eligible for these offers!

AMEX Hilton Application Rules to Know Before You Apply

Link:   AMEX Hilton Cards Get a Boost (Up to 150,000 Points!)

If you like Hilton points, you can do well with any of the AMEX Hilton cards because all have increased welcome offers right now:

The information for the Hilton Honors Aspire Card from American Express has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

Here’s our post with details about each AMEX Hilton card.  And here are tips on how to complete the minimum spending requirements.

Before you submit an application, consider these factors.

1.   Each Card Is Considered a Different Product

You can only earn the welcome bonus on any given AMEX card once per lifetime.

But there are 4 AMEX Hilton cards, and they’re all separate products as far as AMEX is concerned.  That means you can earn 4 welcome bonuses – 1 for each card!

Each Card Is a Different Product. So You Have 4 Opportunities to Earn Welcome Offers for a Hilton Stay, Like the Capital Hilton in Washington, DC

For example, if you’ve had the Hilton Honors American Express Card before, you can’t earn the welcome offer again.  But you can still open and earn the bonus on the other 3 cards!

The Hilton Honors American Express Business Card and Hilton Honors Aspire Card from American Express are both brand new cards.  So chances are you can still earn points from each one.  If you did, you’d end up with 275,000 Hilton points!

2.   AMEX Limits You to 5 Credit Cards

All the AMEX Hilton cards are credit cards, as opposed to charge cards.  That means they offer revolving credit lines and you aren’t required to pay the full balance every month (although you should!).

AMEX will only issue each person 4 or, at most, 5 of their credit card products.  AMEX has lots of excellent credit cards, so keep in mind opening these cards will count as a credit card slot.

That said, folks have had luck closing other cards to open new ones.  So pick and choose wisely!

3.   You Can Only Open 2 Cards per 90 Days

These offers aren’t likely to stick around forever, so time is of the essence.  If you want them all, you’ll hit a roadblock because AMEX typically only approves 2 new card applications per 90-day period.

AMEX Will Only Issue You up to 5 Credit Cards, and No More Than 2 Every 90 Days

Before you apply, pick the card (or 2 cards) you want most to start with.

4.   The AMEX Ascend Card Has History

Before you fire up your application for the Hilton Honors American Express Ascend Card, think carefully about other AMEX Hilton cards you’ve had.

This card used to be called the AMEX Hilton Surpass card.  If you ever opened it, you aren’t eligible to earn the welcome bonus on the AMEX Hilton Ascend card.  That’s because AMEX kept this card mostly the same, but updated the name.  In AMEX’s eyes, any Ascend card by any other name… is still an Ascend card.

5.   Beware of the Chase 5/24 Rule

AMEX personal cards count against your Chase 5/24 status.  Luckily, the Hilton Honors American Express Business Card does NOT count against you!

So if that’s a concern, be sure to stick to these small business cards.

Bottom Line

There are fantastic welcome offers on all 4 AMEX Hilton cards right now.  3 of them are 125,000 Hilton points or higher after meeting minimum spending requirements, which would be a huge boost to your Hilton points balance!

Here are the offers:

But before you apply, keep in mind:

Hopefully this clarifies exactly which AMEX Hilton cards you’re eligible to open!

Will you earn bonus Hilton points with these offers while they’re still around?

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Hilton Honors American Express Card

Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

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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My wife just tried applying for the Ascend card today and was told that she was not eligible for the bonus. She only has two Amex cards – the basic Hilton Amex (since 99)and the Delta Gold Amex (since 2015) and has never had the Surpass. Also has never closed any other Amex cards.
Why would she not be eligible for the ascend bonus??

Does Amex match current offers? I just received the Aspire card a few months ago when the bonus was for 100,000 points. Im wodering if they will match to 150,000 points?

Hi UC,

I’ve read online that some people have been successful in getting them to match an offer. It’s worth a call. The worst that can happen is they say no!

I had the Citibank Hilton (and received the signup bonus with Hilton Honors. When they switched over to AX I called to see about any bonus points. Both Hilton and AX said a no go. I am curious to see if I can obtain another sign up on an AX with Hilton. Those points got me 3 free nights in York, UK in July. I have the Delta Gold AX and the old AX SPG card (which I am thinking of letting go as the points just “ain’t what they used to be” ) What strategies do you suggest for these cards and optimum points? Italian Riviera here I come!

I have 2 Hilton card. One came from Hilton citibank now is AMX. Can I closed 1 to apply for another AMX card ?

Hi Lin – it depends which AMEX Hilton cards you currently have. For example, if you’ve had the Hilton Honors American Express Card before, you can’t earn the welcome offer again. But you can still open and earn the bonus on the other 3 cards!

I was informed (shortly after the release of either the Ascend or Aspire Card) by the application form that since I had previously held the Surpass card I was not eligible for the bonus. I did successfully get the business card and received the bonus. Do you know which one of these cards was formerly the Surpass card?

Hi Greg – the Hilton Honors American Express Ascend Card used to be called the AMEX Hilton Surpass card.

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