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2024.9 Update: The 175k offer is back. Offer ends on 2025/01/08.
2024.6 Update: The higher offer has expired. Currently, there’s only a 130k offer.
2024.3 Update: The new welcome offer is 175k, expiring on 06/05/2024. Major changes to the benefits include:
- Annual fee increased from $95 to $195.
- New benefit: $240 Hilton credit – $60 back each quarter on eligible Hilton purchases, applicable to all Hilton properties.
- No more free night certificates and 10 Priority Pass Lounge passes.
- Earning structure changed: 5x on other purchases (previously 3x), removal of 6x categories.
- New card design.
Application Link
Benefits of the Amex Hilton Business Credit Card
- 175k offer: Earn 175,000 Honors Points after spending $8,000 in the first 6 months. The recent best offer is 150k + 1 free night.
- We value Hilton Honors Points at 0.4 cents per point (Hotel Points Value). Check here for how many points are required for a free night. So the 175k welcome offer is worth about $700.
- Earn 12 Hilton Honors points per $1 spent on hotel stays within the Hilton portfolio; 5 points on other purchases, capped at the first $100K per calendar year, 3x points thereafter.
- [New] $240 Hilton credit – $60 back each quarter on eligible Hilton purchases, applicable to all Hilton properties.
- Complimentary Hilton Gold status for cardholders. Upgrade to Hilton Diamond status after $40,000 in annual purchases.
- Access to Amex Offers, which often provides substantial discounts. Past offers include Spend $15+ to get $5 back at Walmart, and Spend $75+ to get $25 back on Amazon.com.
- Refer a friend: Earn 20,000 bonus Hilton points for every approved referral, up to 80,000 points per year.
- No foreign transaction fees.
Disadvantages
- $95 annual fee, not waived for the first year.
Recommended Application Time
- You can only receive the welcome bonus once per lifetime, so apply when the highest historical offer appears.
- AmEx doesn’t consider the number of hard pulls.
- It’s advisable to apply when you have at least 6 months of credit history.
- Multiple cards approved in the same day will only result in one hard pull.
- Only 2 AmEx credit cards can be approved within 90 days; this doesn’t apply to charge cards.
- You can hold a maximum of 5 AmEx credit cards, excluding charge cards.
Summary
After the benefit changes, the card is only worthwhile if you can utilize the full value of the Hilton credit. Even then, it can be cumbersome to manage quarterly. However, the welcome offer might be appealing to some.
Related Credit Cards
Recommended Downgrade Options
After Applying
- Click here to check AmEx application status.
- AmEx reconsideration backdoor number: 877-399-3083. Unlike Chase, AmEx representatives at this number can only help submit requests, with limited reconsideration power.
Historical Offers Chart
Note: In 2019, there was a 130k + 1 free night welcome offer. The FN part is not shown in the chart.
Application Link
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