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Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases in the first 6 months of card membership.
Full benefits & perks
- Up to $240 in annual statement credits for purchases at Hilton properties (up to $60 per quarter)
- Complimentary Hilton Honors Gold elite status
- Ability to earn Diamond status after $40,000 in spending in a calendar year
- 15 Elite Night Credits each calendar year toward next status level
- Complimentary National Car Rental® Emerald Club Executive® status
- Does not count toward Chase's 5/24 rule
- No foreign transaction fees
Terms apply. Enrollment is required for certain benefits.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughts
This is a great option if you don't want the card counting toward your 5/24 number. The annual fee is a bit higher than the Surpass, but the quarterly Hilton credit is also higher to help offset it. The welcome offer is good, so it's a solid card to have in your wallet.
How to use your points
Hilton Honors points are best used for free hotel nights:
- Use annual free night certificates at any Hilton property — learn all about Hilton free night certificates
- Use Points & Money awards to stretch your stash further
A smart pick for small business owners who want Hilton perks without the 5/24 hit.
- Doesn't count against Chase's 5/24 rule, which is a big deal if you're trying to keep that number low
- The $240 in annual Hilton credits easily offsets the $195 annual fee
- A slight step up from the Surpass in fee but also in value
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.