Last week, American Express created a huge splash when it introduced the increased offers on the personal version of the Amex Platinum Card. If you missed out, you can still read this post about how you can access the 100,000 and 125,000 points bonuses. Similarly, we’re seeing some great bonuses on the co-branded Hilton credit cards as well.

Hilton co-branded cards: Up to 150k in welcome bonuses

If you’re looking to stack up on Hilton points, then you can also buy up to 320,000 Hilton points with this limited time offer. However, the limited time credit card bonuses aren’t showing a particular end date, yet. If you’re eligible, then which credit card should you get? Here’s a comprehensive comparison in order to help you decide.


Decision Factors $0 AF Hilton Card Hilton Surpass Card ($95 AF) Hilton Aspire Card ($450 AF) Hilton Business Card ($95 AF)
Welcome Bonus + Application Link 100k points 150k points 150k points & 1 free night 130k points
Min. Spend Reqd. $1,000 $3,000 $4,000 $3,000
Months to meet min. spend 3 3 3 3
Elite Status Silver Gold Diamond Gold
Annual Free Night None After $15k spend On renewal & on 60k spend After $15k & $60k in spend
Points spent at Hilton 7x 12x 14x 12x
Bonus points for other travel spend 3x 3x 7x 3x
Points on Groceries/Dining 5x 6x 7x* 3x
Points on Gas 5x 6x 3x 6x**
Airline Credits $0 $0 $250 $0
Resort Credits $0 $0 $250 $0
Priority Pass Benefits None 10 visits per year Unlimited visits 10 visits per year


Additional Notes

* Hilton Aspire card earns 7x on dining, but not on groceries

** Hilton Business card earns 6x at gas stations. In addition, you’ll also earn 6x points on US purchases with telephone service providers and shipping services


I frequently stay at Hilton properties for my corporate and leisure stays. Therefore, the Hilton Aspire card is a no brainer for me. Firstly, it offers a welcome bonus of one free night and 150,000 Hilton Honors points. Secondly, I get almost $600 in annual credits. Thirdly, I get valuable top tier Diamond status and amazing bonus categories to earn a ton of Hilton Honors points. In addition, I receive a free night each year when I simply pay the annual fee and renew the card.

However, many folks are not actively planning travel given the current economic and public health conditions. In addition, free night certificates also expire. Therefore, many people won’t find an immediate use for them. If you prefer earning points for a future trip, then the no annual fee or the Hilton Surpass could be your best bet in order to earn points.

The Pundit’s Mantra

If you plan to book a hotel stay soon, then these bonuses can go a long way in helping you attain your travel goals. Moreover, with these cards, you can use your 5th night free benefit to get an additional night free while booking with points. However, please note that Amex does enforce their once in a lifetime rule all of their cards. In short, Amex will not give you the welcome bonus if you’ve attained the bonus on the same card product in the past.

Which card do you plan to get before your next Hilton stay? Tell us in the comments section.


The Points Pundit loves these newly relaunched Chase credit cards!

Firstly, they offer you a 0% APR for the first 15 months.

Secondly, they have no annual fee and have a lucrative welcome bonus of $200 or 20,000 Ultimate Rewards points after you spend $500 in the first 3 months.

Moreover, you can earn up to 60,000 Ultimate Rewards bonus pointsin the first year if you maximize the bonus points categories.

They’re packed with brand new benefits and bonus points categories.

Overall, a great option to carry in your wallet for everyday spend!

Apply Now

(Chase’s 5/24 rule may apply to these cards)


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Disclosure: The Points Pundit receives NO compensation from credit card affiliate partnerships. Support the blog by applying for a card through my personal referral links. This article is meant for information purposes only and doesn’t constitute personal finance, health or investment advice. Please consult a licensed professional for advice pertaining to your situation.