Update: This offer for the Hilton Honors American Express Surpass Card has expired. Learn more about the current offers here.
At the moment we’re seeing some increased welcome bonuses on American Express’ co-branded Hilton credit cards. The details of these offers are as follows:
- The Hilton Honors™ Card from American Express is offering a welcome bonus of 75,000 Honors bonus points after spending $1,000 on purchases within the first three months; the card doesn’t have an annual fee (Rates & Fees)
- The Hilton Honors American Express Surpass® Card has a $95 annual fee (Rates & Fees) and is offering a welcome bonus of 130,000 Honors bonus points plus a free weekend night reward after spending $4,000 on purchases within the first four months
- The Hilton Honors American Express Business Card is offering a welcome bonus of 125,000 Honors bonus points after spending $3,000 on purchases within the first three months; the card has a $95 annual fee (Rates & Fees)
- The Hilton Honors™ Aspire® Card is offering a welcome bonus of 150,000 Honors bonus points after spending $4,000 on purchases within the first three months; the card has a $450 annual fee
As you can see, combined all four cards have bonuses of up to 480,000 Honors points, though admittedly it’s unlikely anyone is going to get all four of them. You’re potentially looking at even more points if you and a spouse/friend apply for these cards, especially given that Hilton Honors allows free points pooling between accounts.
So, how realistic is to get all of these cards? Let’s talk a bit about the restrictions to be aware of.
All Amex Hilton cards are considered separate products
All of these cards are considered separate products, meaning that you can earn the welcome bonus on each of these cards once.
In other words, even though the Hilton Surpass and Hilton Honors American Express Business Card are similar cards (one is personal and one is business), you can have both cards at the same time, and can also earn the welcome bonuses on both cards.
Note that the Hilton Surpass is the refreshed version of the Hilton Ascend Card (which is no longer open to new applicants), so if you’ve had the Ascend Card in the past then you’re not eligible for the Surpass Card.
Limits to how many total Amex cards you can have
Typically each person is limited to having at most five American Express credit cards at a time. It doesn’t matter whether those are personal or business cards. This doesn’t include charge cards, which include The Business Platinum® Card from American Express, The Platinum Card® from American Express, American Express® Business Gold Card, and the American Express® Gold Card.
All Hilton Amex cards are considered credit cards, so would be subjected to the five credit card limit.
Limits to how many Amex cards you can apply for
This is more anecdotal than anything, since Amex doesn’t officially publish rules on this. Generally you won’t be approved for more than two American Express credit cards in a 90 day period. So while we don’t know the end dates on these bonuses, chances are they won’t stick around for more than 90 days, so most people will only be able to pick up two cards during the promotion period. Some people report being approved for more cards, but that seems to be more the exception than the norm.
If you haven’t had any of these cards before, I’d probably consider one of the following strategies if trying to get no more than two cards:
- If you want to stay under 5/24, pick up the Hilton Honors American Express Business Card
- If you want to maximize the points and benefits you can get, pick up the Hilton Honors Aspire Card and the Hilton Surpass or the Hilton Honors Card from American Express
If your goal is to stay under the 5/24 limit (a general Chase restriction where they won’t approve you for a card if you’ve opened five or more new card accounts in the past 24 months), then you’ll want to apply for the Hilton Honors American Express Business Card, since applying for that won’t count as a card towards that limit.
For more on applying for an American Express business card, see this post.
The current increased welcome bonuses on the Hilton Surpass, Hilton Honors American Express Business Card, Hilton Honors Card from American Express, and Hilton Honors Aspire Card are generous. Realistically you can only be approved for two of these cards in a 90 day period, so you’ll want to think carefully about which of these cards you want to apply for.
For those with excellent credit, I anecdotally find that these cards are quite easy to be approved for, so even if you haven’t had many Amex cards in the past, you’re likely to have luck with applying for these cards.
Non-Affiliate Product Disclaimer: The information for the Hilton Honors Aspire Card has been collected independently by One Mile at a Time. The card details on this page have not been reviewed or provided by the card issuer.
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: Hilton Honors American Express Card (Rates & Fees), The Hilton Honors American Express Business Card (Rates & Fees), and Hilton Honors American Express Surpass® Card (Rates & Fees).