Tuesday, January 24, 2023

Which Hilton Credit Card Is Best

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Why Its Best For Business Travel

Hilton Surpass Or Hilton Aspire | Which Is The Best Hilton Credit Card?

The Hilton Honors Business Card lets you apply with your business name and Employer Identification Number , although you can also apply as a sole proprietor using your Social Security number. You have the potential to earn a sizable welcome bonus when you do, as well as a high rate of rewards on eligible eligible paid Hilton stays and 6x points in a broad range of categories.

Automatic Gold status is another cardholder perk, and that goes along with the 10 free passes you receive for Priority Pass airport lounges worldwide. The $95 annual fee on this card is very reasonable for a business credit card, and you wont pay foreign transaction fees when you travel for business abroad.

As a final perk, youll receive a free weekend night with this card when you spend $15,000 within a calendar year, as well as another free weekend night when you spend $60,000 on your card within a calendar year.

Typical Benefits Of A Hilton Credit Card

  • No foreign transaction fee. Use this card outside the US without incurring international transaction fees.
  • Global assist hotline. Get 24/7 access to medical, legal, financial or other emergency assistance services when traveling more than 100 miles from home.
  • Car rental coverage. Get coverage against theft or damage when you pay with your card and decline the collision damage waiver at the car rental counter.

Why Its Best For Casual Travel

The Hilton Honors Amex Surpass® Card may be a better option if you travel enough to take advantage of its perks. Youll earn a much larger welcome bonus of: 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of card membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the card in the first 6 months. Youll also earn a higher rate of rewards on Hilton stays and U.S. supermarkets, U.S. gas stations and U.S. restaurants. Not only that, but youll get automatic Gold status with Hilton and 10 free passes to enter Priority Pass airport lounges in airports worldwide.

Also consider the fact that you can earn a free weekend night award with this card when you spend at least $15,000 within a calendar year, and that this free night is good for almost any Hilton property worldwide.

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Not Sure Any Of These Cards Are For You Consider These Alternatives

  • World Of Hyatt Credit Card: If youre looking for a card that gives a free awards night each year without charging a sky-high annual fee, this card could be a great fit.
  • : If youre more loyal to the Marriott brand than Hilton, this card may be a better fit.
  • Capital One Venture Rewards Credit Card: This card is good for travelers who dont want to be locked into one hotel brand.
  • Quick Tips for Your Credit Health
  • Alternatives For Hilton Travelers

    Hilton Credit Card

    If youre unsure about picking up a travel credit card that earns points for Hilton properties specifically, then you may want to consider a flexible travel credit card instead. American Express credit cards that let you earn points in the American Express Membership Rewards program are a good option since this program lets you transfer points to the Hilton Honors program at a solid ratio of 1,000 Amex points: 2,000 Hilton Honors points.

    Popular American Express travel credit cards to consider include the American Express® Gold Card and The Platinum Card® from American Express. The Platinum Card® from American Express may be a good flexible travel card in particular since it comes with automatic Gold status with both Hilton Honors and the Marriott Bonvoy program.

    If you dont want to make a huge financial commitment, you could also check out Amex cards that earn Membership Rewards with no annual fee, such as The Amex EveryDay® Credit Card from American Express. This way, you could earn points in this program without paying a fee each year, then you could transfer them to the Hilton Honors program once you were ready to book.

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    Earn Hilton Points Through Travel Partners

    Like most loyalty programs, Hilton Honors has a suite of partners that you can use to earn even more Hilton Honors points. You can use these partners to boost your Hilton account balance on everyday activities like eating out or renting a car. Heres a look at some of the additional ways you can earn Hilton Honors points.

    Can I Upgrade My Hilton Amex Card

    If you wish to upgrade your Hilton Amex card to one of the other Hilton credit cards, simply give American Express a call. However, consider that you may not be eligible to earn the welcome bonus if you upgrade. If you want to earn the welcome offer, simply apply for one of the other three Hilton credit cards as you can have more than one Hilton card at a time.

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    American Express Hilton Card Overview

    There are four different types of Hilton cards offered by American Express and the differences that you will find between these cards include things like:

    • Annual fees
    • Travel credits
    • Airport lounge access

    I will go into detail about the different cards below but here is a breakdown of all four of them:

    • Hilton Honors American Express Business Card
    • Hilton Honors Credit Card from American Express
    • Hilton Honor American Express Surpass Card
    • Hilton Honors Aspire

    Tip: Use WalletFlo for all your credit card needs. Its free and will help you optimize your rewards and savings!

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    HILTON HONORS ASPIRE CARD Review! (Best Hotel Credit Card)

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    Manage Your Account & Pay Your Bill

    You can usually pay your bill online on your

    The Hilton Honors American Express Card provides complimentary Hilton Honors Silver Status, which provides a number of benefits like a 20% bonus on Base points earned, fifth night free on reward stays, your 2nd guest stays free, and complimentary access to health clubs and fitness centers.

    This card has no annual fee.

    Not the right card for you? See what the other Hilton credit cards have to offer.

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    Additional Credit Cards To Use For Hilton Hotel Purchases

    A lot of the best travel credit cardscan be used to book a Hilton hotel night, but are you using your most beneficial travel credit card when youre paying for your Hilton stay? You need to consider these suggestions for your Hilton purchases if you dont already own one to maximize each Hilton Honors stay.

    Whether you only stay at a Hilton once a year or at least one day a week, youll find a rewards credit card from this list that compliments your travel habits.

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    Hilton Honors American Express Card Vs Hilton Honors American Express Surpass Card*

    If youre a Hilton loyalist, you should consider the Hilton Honors American Express Surpass Card. This is the $95 annual fee Hilton card offered by American Express. While initially the annual fee might seem like a negative, if you look closely youll actually find you can get a lot of value for that annual fee.

    First, you receive automatic Hilton Gold status, which will improve your upgrade chances and allow you to request late checkout with a higher success rate. You can sometimes get upgraded to an Executive Floor with an Executive Lounge, especially when overseas. You also receive free breakfast at all Hilton brand hotels. While at some brands this may only be a continental breakfast, the option still can prove very valuable.

    On top of all these benefits, you also receive a free weekend night when spending $15,000 on the card per calendar year. This is another great way to extract extra value from the Hilton Honors American Express Surpass Card. With this card, youll earn 12 Hilton Honors Bonus Points per dollar on eligible purchases at participating hotels or resorts within the Hilton portfolio, 6 points per dollar on eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations and 3 points per dollar for all other eligible purchases.

    The Business Platinum Card From American Express

    7 Best Hotel Credit Cards: Hilton, Marriott, Hyatt
    Must Reads: For more info on the Amex Business Platinum, see our insights on its benefits, top card FAQs and the best airport lounges you can access. Go here for our full review. This is one of several business credit cards from Amex.

    The Amex Business Platinum card heavily rewards the business owner who spends a lot on flights, wants the extra perks of elite status, and values worldwide lounge access.

    Why We Like the Card for Hilton Loyalists

    • Membership Rewards points earned on the card can be transferred to Hilton Honors at a 1:2 ratio
    • Complimentary access to over 1,300 airport lounges worldwide, including Centurion Lounges
    • Upon enrollment, complimentary Hilton Honors Gold status and Marriott Bonvoy Gold status
    • 5x earnings on flights and prepaid hotels booked on Amex Travel
    • 1.5x earnings on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
    • 35% rebate of points for premium flight redemptions
    • Statement credits of up to $200 for airline incidental fees, up to $400 for Dell purchases, and up to $200 for Uber
    • Global Entry or TSA PreCheck fee reimbursement
    • Trip cancellation/interruption insurance and secondary car rental insurance
    • Purchase protection and extended warranty

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    Capital One Venture Rewards Credit Card

    Another card worth mentioning is the Capital One Venture Rewards Credit Card. This offer is a great option if you like flexibility. You dont need to stay at a Hilton if you find a better option for your travel needs.

    Whether you stay at a Hilton or not, earning 2x miles is pretty grand. Plus, you get up to $100 application fee credit for Global Entry or TSA PreCheck along with the ability to earn 2x miles on every purchase. Learn more in this extensive Capital One Venture Rewards Credit Card review.

    New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.

    Learn more: Travel Rewards Credit Cards

    Why Its Worth It

    This card has a $450 annual fee, but you can still come out ahead if you maximize the two annual statement credits. Plus, you get complimentary Hilton Diamond status and youll earn a second free-weekend-night award at participating Hilton hotels each calendar year when you spend $60,000+ in eligible purchases on your card.

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    The Hilton Honors American Express Business Card: Best For Business Travelers

    The Hilton Honors American Express Business Card is very similar to the Hilton Surpass Card, just in a business version, with an identical welcome bonus and annual fee of $95 .

    Right now, new card members can earn up to 180,000 bonus points in two tiers: 130,000 bonus points when you spend $2,000 in purchases in the first three months after opening the account, plus 50,000 bonus points after you spend a total of $10,000 in purchases in the first six months. Based on the point valuations of The Points Guy, those 180,000 bonus points are worth as much as $1,080 in travel.

    Like the Hilton Surpass, youll get Hilton Gold status simply by being a Hilton Amex Business card member , a weekend night certificate after spending $15,000 on the card within the calendar year and a Priority Pass Select membership with 10 complimentary lounge visits a year. Again, this certificate works in the exact same manner as the one with the Surpass card and certificates issued through 2022 can be used any day of the week .

    Related: These business credit cards earn rewards and can get you through a cash crunch.

    One big difference on the Hilton Amex Business card is that the bonus categories are catered more toward small businesses, and its a much longer list. Youll earn 12 points for every dollar you spend at Hilton hotels, and 6 points per dollar spent at all of the following:

    Who The Hilton Honors Aspire Card Is Best For

    Which Is The BEST Hilton Honors Credit Card? (Honors, Surpass, Business, Aspire)

    The Hilton Honors American Express Aspire Card is a great addition to someone’s wallet who visits Hilton Hotels often, and travels regularly.

    The points you earn from spending on the card, automatic Diamond elite status benefits and airport lounge access is all added value at that point. But if you can can’t use at least a few of these benefits, the $450 annual fee may not be justifiable.

    Additionally, if you stay in Hilton Hotels regularly and want to fast-track your journey to Diamond status, the Aspire card will give you the status benefits immediately and you won’t have to stay 60 nights in a Hilton hotel.

    Because Hilton has several cobranded credit cards with varying annual fees and benefits, it is important to select one that mirrors how often you travel.

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    No Annual Fee: Hilton Honors American Express Credit Card

    Completing the Hilton Amex Card lineup is the Hilton Honors American Express Card. It doesnt charge an annual fee or foreign transaction fee . As a result, this can be a perfect secondary credit card to build credit with the easiest credit cards to get approved for. Or, you can use this Hilton card if you spend less than $15,000 annually. Remember, if you spend more than $15,000 in a year, the Hilton Honors Surpass gives you a free night.

    You wont receive much in the way of extra benefits with the Hilton Honors Credit Card, but you earn Hilton Honors points with each purchase. You also get complimentary Hilton Honors Silver status. With this benefit, you can get the 5th night free on 5+ night reward stays.

    Cardholders earn Hilton points per $1 on these purchases:

    • 7x points on eligible Hilton purchases made directly with property or resort in the Hilton portfolio
    • 5x points at U.S. restaurants, U.S. gas stations, and U.S. supermarkets
    • 3x points on all remaining eligible purchases

    New The Hilton Honors American Express Card cardholders can earn up to 130,000 Hilton Honors Bonus Points! New cardholders can earn 80,000 Hilton Honors Bonus Points after spending $1,000 in purchases on the Hilton Honors American Express Card in the first 3 months of Card Membership. Plus, earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.

    Its one of the easiest of the welcome bonus offers to earn.

    Hilton Credit Cards: What To Know 2021

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    We think the Hilton Honors Aspire Card from American Express is the best choice for frequent guests of Hilton, due to its elite status benefits and hotel-specific perks that can easily cover the card’s annual fee each year, such as a $250 resort credit.

    Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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