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Are you a frugal tourist with a side hustle, just like me?
Are you always on the go and longing for ways to make your trips even more luxurious and rewarding without breaking the bank?
The current welcome offer of the American Express Hilton Honors Business Credit Card may be just what you’ve been looking for.
Through July 19, 2023, this card will offer 150,000 Hilton Honors points and a free-night certificate after spending $4,000 in 3 months.
In this review, we’ll look at why the American Express Hilton Honors Business Credit Card is a good option for frequent travelers who stay at Hilton properties and points enthusiasts who like to stay at hotels for free.
Best Offer: 150,000 Points + Free Night Certificate
|The Hilton Honors American Express Business Credit Card|
|Annual Fee: $95|
|Sign-Up Bonus: 150,000 Hilton Honors & a Free-Night Certificate at any Hilton Property (Standard Room only)|
|Offer Expiration: July 19, 2023|
|Earn: 12X Hilton Honors Points|
On Eligible Purchases Made Directly With Hotels and Resorts in the Hilton Portfolio
|Earn: 6X Hilton Honors Points|
At U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping
|Earn: 6X Hilton Honors Points|
At U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
|Earn: 3X Hilton Honors Points|
All Other Purchases
|Hilton Status: Complimentary Hilton Gold Status |
Hilton Honors Gold members receive an 80% bonus on Base Points you earn on every stay, space-available room upgrades at select properties, etc.
|Free Night Award: After you spend $15,000 in purchases on your Card in a calendar year|
|Second Free Night Award: After you spend $60,000 in purchases on your Card in a calendar year|
|Priority Pass Select: 10 Complimentary Visits|
|Foreign Transaction Fees: $0|
Benefits of the American Express Hilton Honors Business Credit Card
The Hilton Honors American Express Business Credit Card offers many enticing benefits for travelers who frequently stay at Hilton properties.
In this section, we’ll take a closer look at some of the key features of this card and why it is such a great option for Hilton Honors members.
Generous Welcome Bonus
Through July 19, 2023, American Express Hilton Honors Business Card offers a welcome bonus of 150,000 Hilton Honors Bonus Points and a free-night certificate after you spend $4,000 in purchases on the Card in the first 3 months of Card Membership.
This is a great way to start your membership and earn a significant number of points that you can use for free hotel stays, upgrades, and more.
Earn Hilton Honors Points
The American Express Hilton Honors Business Card allows you to earn Hilton Honors points on all purchases.
You earn the following Hilton Honor points:
12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio,
6X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
6X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and
3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Complimentary Hilton Honors Gold Status
As a card member, you receive complimentary Hilton Honors Gold status, which offers a range of benefits, including free breakfast, room upgrades, and late check-out.
Gold status is typically earned after staying at Hilton properties for at least 20 nights or earning 75,000 base points in a calendar year.
But with the Hilton Honors American Express Business Credit Card, you will get this status for free.
Fifth Night Free When You Book 5 Consecutive Nights on Points
This particular perk is available to Hilton Silver, Gold, and Diamond members.
Since the Hilton Honors American Express Business Card gives complimentary Gold status, whenever you book five nights at any property using points, you are eligible to get the 5th night free.
We leveraged this benefit during our stay at the Conrad Maldives, saving us 95,000 points.
Since the daily standard room rate using points at this property during our stay in 2021 was 95,000, we needed only to use 380,000 points instead of 475,000 points.
The Conrad Rangali Island has since increased to 120,000 Hilton Honors points per night.
Pro-Tip: Running low on Hilton points? Did you know you can transfer your Hilton Honors Points to anyone for free? Yes, it is one of the most generous perks of the Hilton Honors program. Check out this tutorial for steps to transfer Hilton points to other members.
Free Night Awards
As a Hilton Honors American Express Business Card holder, you will receive a free night certificate at any Hilton when you spend $15,000 within a calendar year.
You will get another free night certificate when you spend $60,000 within a calendar year.
Complimentary Hilton Honors Diamond Status
If you spend $60,000 on eligible purchases on your Card in a calendar year, you will receive Hilton Honors Diamond status.
This is the highest tier of Hilton Honors membership and comes with even more benefits, including executive lounge access and a higher earning rate on Hilton Honors points.
Personally, I do not recommend putting $60,000 worth of purchases on this credit card just to earn Hilton Honors Diamond status.
If you want to reach the highest tier of Hilton hotel status, the American Express Hilton Honors Aspire Credit Card offers complimentary Diamond status as long as you have the card.
Priority Pass Select Membership
Cardmembers receive a Priority Pass Select membership, which gives them access to over 1,000 airport lounges worldwide.
Hilton Honors American Express Business Cardholders have 10 complimentary visits to airport lounges each year once enrolled in the Priority Pass™ Select Membership.
This is a great perk for frequent travelers who want to relax and enjoy a comfortable space before their flight.
No Foreign Transaction Fees
The American Express Hilton Honors Business Card has no foreign transaction fees, which makes it an excellent option for international travelers.
You can use your card to make purchases in any currency without worrying about additional fees.
Purchase Protection and Extended Warranty
The American Express Hilton Honors Business Card offers purchase protection and extended warranty coverage.
If an eligible item you purchase with your Card is stolen or damaged within 90 days of purchase, you may be eligible for reimbursement.
The coverage is limited to up to $1,000 per occurrence and $50,000 per Card Member account per calendar year, and exclusions apply.
Additionally, if an eligible item you purchase with your Card has a warranty of five years or less, you can receive up to one additional year of warranty coverage.
Access to Amex Offers
Cardmembers also have access to Amex Offers, which provide discounts and cashback on purchases at various merchants.
These offers are tailored to your spending habits and can help you save money on everything from dining out to online shopping.
We use the CardPointers Google Chrome Extension to add Amex Offers to our credit cards automatically.
Can I Apply For This Credit Card Even If I Do Not Have a Business?
Side Hustlers are Eligible to Apply for Business Credit Cards
Virtually anybody with a side hustle or merely thinking of starting a future business may be eligible to apply for Hilton Honors American Express Business Credit Card.
That’s right, you may qualify even if you are just at the initial stages of your business!
Simply put, your side hustle does not need to be entirely off the ground yet – you can also qualify while in the process of conceptualizing it.
Broadly speaking, though, having an existing side hustle, regardless of income, fundamentally makes you a more qualified candidate, but it is not a requirement. Hence, any start-up is eligible.
List of Popular Side Hustles:
- buying and selling online (Facebook marketplace, Amazon, Etsy, eBay, etc.)
- driving for Uber/Lyft
- tour guide
- being an Airbnb host
- freelance writer
- any manual labor you do on the side – plumbing, electrician, mowing the lawn, etc.
- having your own blog/podcast/youtube channel
- having a rental property
- any freelance gig that yields a 1099 come tax time
- your side hustle!
In a nutshell, you need not own a multi-million dollar company to qualify for a business card.
Nor would you need to have a physical office – your business address can be your primary residence.
Furthermore, you don’t need to work in your business full-time. It can be part-time or seasonal, or a few hours throughout the year.
You are eligible as long as you are engaged in some form of activity to earn a profit!
To sum it up, any side hustle will do, regardless of the nature and structure of your enterprise.
Do Not Have a Side Hustle? Start One!
Do not fret, you do have a couple of options.
Applying for a business card is possible if you are still in the beginning stages of planning for a business.
As with all businesses, we all need initial capital to fund our “start-up” expenses, and sometimes the fund source can come from a credit card. Banks are aware of this.
Whether you plan to start a podcast or a dog-walking side job (or any of the examples above) soon, consider applying for business credit cards, as the sign-up bonuses can be truly rewarding.
Pro-Tip: Selling Stuff at Facebook Marketplace is an easy side hustle anyone can start anytime!
How to Apply for a Hilton Honors American Express Business Credit Card
|Legal Business Name||Your Full Name (if Sole Proprietor)|
|Business Name on Card||Your Full Name (if Sole Proprietor)|
|Company DBA Name||None (Check Company does not have a DBA)|
|Business Address||Your Address|
|Business Phone Number||Your Phone Number|
|Industry Type||Choose One |
Retail Trade (if Facebook Marketplace)
|Company Structure||Sole Proprietorship|
|Years in Business||At least one year |
(include the time you were conceptualizing the biz)
|Number of Employees||One (1) if you are the only employee|
|Annual Business Revenue||At least $5,000 |
(estimated revenue for the next 12 months)
|Federal Tax||Leave Blank for Sole Proprietors|
|Role in Company||Choose Any|
|Estimated Monthly Spend||At least $100|
With the American Express Hilton Honors Business Credit Card, businesses of all sizes can take advantage of its countless advantages.
Whether you have a seasonal side hustle or a full-time business, you may be eligible to get approved for this business credit card.
You can’t go wrong with this increased offer for this Hilton Honors Business credit card, from its generous introductory offer and impressive rewards program to its travel insurance and no foreign transaction fees.
The ability to earn points with every purchase and unbeatable extras like free nights at Hilton hotels worldwide ensures that all business owners can get maximum value from this credit card.
If you’re looking for an amazing card with a free night certificate and 150,000 hotel points, look no further than the current American Express Hilton Honors Business Credit Card offer.
EDITORIAL DISCLOSURE – Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. The content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.