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Now through April 5, you can get 100,000 bonus points or more with select Hilton Honors co-branded credit cards from American Express.
According to Bankrate’s most recent points valuations, Hilton Honors points are worth about 0.6 cents each. If you redeem your 100,000-point bonus at that rate, you could get about $600 toward travel with Hilton.
Here’s more about the offer, its value and how to decide if a Hilton Honors Amex is right for you.
Which Hilton Honors cards are eligible?
Hilton Honors has four co-branded cards with American Express: three consumer cards and one business card. The cards with limited-time offers through April 5 include the no-annual-fee Hilton Honors American Express Card, the mid-tier Hilton Honors American Express Surpass® Card* and the Hilton Honors American Express Business Card.
Hilton Honors American Express Card
For no annual fee, you can earn 100,000 bonus points after spending $2,000 within the first six months of opening the Hilton Honors American Express Card. That’s worth around $600 by Bankrate’s valuation, though your exact value will depend on how and when you redeem.
You’ll also earn 7X points for each eligible purchase at Hilton hotels, 5X points at U.S. supermarkets, U.S. gas stations and U.S. restaurants and 3X points on all other purchases.
As for benefits, this card offers automatic Silver status with Hilton (with eligibility to get Gold status through the next calendar year when you spend $20,000 within a year) and no foreign transaction fees.
Hilton Honors American Express Surpass Card
With the Hilton Honors American Express Surpass card’s limited-time offer, you’ll get a boosted 150,000 bonus points after spending $3,000 within the first six months of account opening. That’s about a $900 value, according to Bankrate’s valuation.
The ongoing rewards you’ll earn include 12X points on eligible purchases at Hilton hotels and resorts, 6X points at U.S. restaurants, U.S. supermarkets and U.S. gas stations and 3X points on other eligible purchases. Rewards rates this high can be a great deal for a card with just a $95 annual fee.
This card will get you automatic Gold status with Hilton (and you can upgrade to Diamond status through the next calendar year if you spend $40,000 or more within a year). Plus, you’ll get one Free Night Reward after spending $15,000 in a calendar year, and you can enroll to get 10 complimentary lounge visits per year through Priority Pass Select.
Hilton Honors American Express Business Card
If you’re a business owner, the Hilton Honors American Express Business Card’s limited-time offer of 165,000 bonus points (after spending $5,000 within the first three months of account opening) can go a long way. According to Bankrate’s valuation, that’s worth about $990.
This card also carries a $95 annual fee and earns rewards points related to business expenses. That includes 12X points at Hilton hotels and resorts, 6X points on select business (U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases) and travel purchases (U.S. restaurants, airfare booked through Amex Travel and select car rentals) and 3X points on all other purchases.
You’ll get the same offer of automatic Gold status with Hilton and 10 complimentary lounge visits via Priority Pass Select after enrolling. And you can earn a Free Night Reward after spending $15,000 in a calendar year, plus another Free Night Reward after spending a total of $60,000 in a calendar year.
The most premium travel credit card option from Hilton, the Hilton Honors American Express Aspire Credit Card*, offers 150,000 bonus points as its ongoing welcome offer. However, you’ll need to spend $4,000 within just three months of account opening — a higher spending threshold and smaller window of time to meet it than the limited-time offers above. This card also carries a steep $450 annual fee.
What can you get with this offer?
Hilton Honors points values can vary based on when and where you’re looking to stay — popular destinations at peak times, for example, will likely carry higher redemption rates.
Nevertheless, here’s one example of what you could earn with one of these limited-time offers.
Let’s say you decide to open the Hilton Honors Surpass and earn 150,000 bonus points after spending $3,000 within six months.
Right now, you could use that offer to book a five-night early summer stay at the Embassy Suites Lake Buena Vista Resort in Orlando, Florida.
Between May 14 and 18 (four nights), you could book a single room for a total 149,000 points. But with the automatic Gold status you’ll get from the card, you can get a fifth night free on May 19. You’ll still have to pay the nightly resort fee and tax for the booking, though.
That’s just one example, but there are plenty of other ways you could make the most of your offer. Award nights start at just 5,000 points (and go up to 95,000), and you can use a combination of cash and points to book with Hilton.
Should you get a Hilton Amex card?
Like any co-branded credit card, you should only open a Hilton Honors card if you prefer to stay with Hilton when you travel. And if the hotel credit card you’re considering has an annual fee, you should also make sure you travel enough to make up for the cost.
Now is a great time to consider these cards thanks to the boosted bonus point offers after opening. But before you apply, take time to compare your budget and spending with all the benefits and rewards categories in which you’ll earn points.
Most importantly, make sure the spending threshold to earn one of these welcome offers is within your monthly budget. Even a 150,000-point bonus is not worth the high interest costs you’ll incur by carrying a balance on one of these cards.
*The information about the Hilton Honors American Express Surpass® Card and Hilton Honors American Express Aspire Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.