Home Business I just opened the Hilton Honors American Express Business card, and it will single-handedly give me a luxury $8,000 Maldives resort stay

I just opened the Hilton Honors American Express Business card, and it will single-handedly give me a luxury $8,000 Maldives resort stay

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I just opened the Hilton Honors American Express Business card, and it will single-handedly give me a luxury $8,000 Maldives resort stay

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The standard room at the Waldorf Astoria Maldives is a King Reef Villa with pool, which looks similar to this. It’s what you’ll get when booking with points.

Hilton

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The Hilton Honors American Express Business Card offers an elevated welcome bonus of up to 180,000 points after meeting spending requirements.
It offers one of the most valuable travel perks: A Weekend Night Reward after spending $15,000 in a calendar year.
I’m using rewards from this card for a luxury stay worth nearly $8,000 in the Maldives.
Read Insider’s guide to the best hotel credit cards.

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The Hilton Honors American Express Business Card is quietly one of the most valuable travel credit cards on the market.

It’s currently got the largest welcome bonus it’s ever had (by a lot): 130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months. Insider estimates that Hilton points are worth 0.5 cents each, on average. That makes this bonus worth around $900 in Hilton hotel stays.

But the card also comes with one of the absolute best deals in travel. After spending $15,000 on the card in a calendar year, you’ll receive one Weekend Night Reward valid for almost any Hilton property on Earth (with a few exceptions). Hilton hotels cost up to 150,000 points per night — so this certificate is conceivably worth $750+, depending on the hotel you book with it.

Read more: Amex Hilton Business credit card review

If you know how to maximize Hilton points, it’s possible to get 4x the average value of your points. Here’s my plan to fund a Maldives vacation with Amex Hilton Business Card alone.

How to turn the Amex Hilton Business Card into thousands of dollars in travel

Regular APR

15.74% – 24.74% Variable

Credit Score

Good to Excellent

Featured Reward

130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months

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Pros & Cons

Details

Pros

Comes with complimentary Hilton Gold elite status
Strong welcome bonus
Earns bonus points on a wide variety of purchases

Cons

You have to spend at least $15,000 on eligible purchases in a calendar year to earn a reward night

Welcome Offer: Earn up to 180,000 Hilton Honors Bonus Points. Earn 130,000 Bonus Points after you spend $2,000 in purchases on the Hilton Honors Business 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.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

Read Our Review

Read Our Review
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By opening a card with a $95 annual fee (See Rates), I’ll receive nearly $8,000 in travel.

I plan to book a stay at the Waldorf Astoria Maldives Ithaafushi. At the time of writing, I’m seeing three- and four-night blocks of award availability sprinkled throughout 2022. That’s perfect for how I plan to use the rewards I receive from my Amex Hilton Business Card. Here are some of its features:

130,000 points after spending $2,000 in purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total in purchases in the first 6 months12 points per dollar spent at Hilton hotels6 points per dollar spent with U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, U.S purchases for shipping, U.S. restaurants, flights booked directly with airlines or Amex Travel, and select car rentals.3 points per dollar on all other eligible purchasesFree weekend night certificate after you spend $15,000 on eligible purchases in a calendar yearA second free weekend night award if you spend a total of $60,000 or more in a calendar yearHilton Gold elite statusUpgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar yearPriority Pass Select airport lounge membership** with 10 free visits per year

This trip still won’t be cheap — restaurant prices are outrageous, and round-trip transfer to the island by yacht costs $650 per person. But there are two big ways this card will save me during this trip.

1. Room rate

Here’s the price of an award night at the Waldorf Astoria Maldives Ithaafushi. You’ll pay between 120,000 and 150,000 points per night for this hotel. That’s a lot of points — an almost inexcusable amount. But the standard room here is a 3,000-square-foot overwater villa with a massive infinity pool. It sells for more than $2,000 per night.

The Waldorf Astoria Maldives has the most expensive award prices in the Hilton portfolio.

Hilton

You can unlock $7,500+ in value at the Waldorf Astoria Maldives after spending $20,000 in a calendar year on the Amex Hilton Business Card. Here’s why:

Spending a total of $10,000 unlocks the card’s full 180,000-point bonus. Free nights cost 120,000 points.Spending an additional $5,000 ($15,000 total) unlocks the card’s Weekend Night Reward which you can use for a free night at this resort.Spending an additional $5,000 ($20,000 total) earns you the remaining points you need for two full award nights. The card earns a minimum of 3 points per dollar, so spending $20,000 will net you at least 60,000 points. Add those points to the 180,000-point bonus, and you’ve got 240,000 points.

Here’s the cash price of a three-night stay in March, which is also available to book for free after achieving the above bullet points. After taxes, the average nightly rate rises to a startling $2,525 — totaling $7,576 for a three-night stay.

Rooms frequently cost $2,500+ per night, after taxes.

Hilton

Putting $20,000 of spending on a credit card in a calendar year isn’t a cakewalk for many of us — but for a $7,500 hotel stay, it’s worth the effort. That’s like getting a 37.5% return on all your spending!

Instead of spending $20,000 on the Amex Hilton Business Card, you could instead apply for more than one Hilton credit card and earn each bonus. For example, you could open:

Hilton Honors American Express Aspire Card
: 150,000 points after you spend at least $4,000 in your first 3 months of account opening. Also receive one Weekend Night Certificate automatically each year.Hilton Honors American Express Card: 80,000 points after spending $1,000 on purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $5,000 total on purchases in the first 6 monthsHilton Honors American Express Surpass® Card
: 130,000 points after spending $2,000 on purchases in the first 3 months of card membership. Plus, earn an additional 50,000 points after spending $10,000 total on purchases in the first 6 months2. Elite status perks

The Amex Hilton Business Card also comes with automatic Hilton Gold elite status. That means you’ll get free breakfast at the Waldorf Astoria Maldives. It’s a full buffet with made-to-order entrees — and free champagne. The breakfast normally costs $65 per person, so Gold status will save a couple $390 over a three-day period.

How to extend your Hilton vacation

The above is my plan to achieve a three-day vacation from a single credit card. However, there are easier ways to do it (and stay for longer) if you’re willing to open more travel credit cards.

Hilton credit cards

For example, there are three alternate Hilton credit cards, all of which currently offer bonuses of 130,000+ points after meeting tiered spending requirements. If you and a travel buddy each open one or two cards, you could find yourself with 600,000+ Hilton points with little difficulty. Hilton gives you the option to pool your points with up to 11 other people when redeeming.

Read more: How to earn, redeem, and maximize Hilton Honors points

Amex Membership Rewards points

Regular APR

14.24% – 22.24% Variable

Credit Score

Good to Excellent

Featured Reward

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership

Intro APR

0% Intro APR for 12 months on purchases eligible for Pay Over Time

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Pros & Cons

Details

Pros

More travel benefits than you’ll find on any other business credit card
Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)
Complimentary hotel elite status (enrollment required)
Access to Amex concierge services

Cons

Very high annual fee
Limited opportunities to earn bonus points
Annual statement credits won’t be useful for everyone

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Read Our Review

Read Our Review
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Hilton is a transfer partner of Amex Membership Rewards. You’ll receive 2 Hilton points for every 1 Amex point you transfer. If you’re anxious to scoop up extra Hilton points, consider opening one of the following American Express cards:

American Express® Gold Card
— 60,000 points after you spend at least $4,000 in your first 6 months of account openingAmerican Express® Business Gold Card
— 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membershipThe Platinum Card® from American Express
— 100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership The Business Platinum Card® from American Express
— 120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership

The ability to earn effectively 240,000 Hilton points from a single welcome bonus is phenomenal.

5th night free

For those with Hilton elite status (which you’ll automatically receive just by holding an Amex Hilton credit card), you’ll always receive one free night when reserving five or more consecutive standard award nights.

For example, if you reserve five Standard Room Awards at the Waldorf Astoria Maldives for 120,000 points per night, you’ll pay just 480,000 points instead of 600,000 points. That lowers your award price per night to 96,000 points. The only problem is that it’s exceptionally difficult to find five consecutive nights at the standard rate at the Waldorf Astoria Maldives. The best I can find at the time of writing is four consecutive nights.

Read more: How to use credit card points and miles for a socially distant vacation in the Maldives

Bottom line

From just one credit card with a $95 annual fee, I’ll get the following during my trip to the Waldorf Astoria Maldives:

$7,575 on room rate$390 on breakfast

That’s nearly $8,000 in value.

Travel credit cards like the Amex Hilton Business Card can be extremely powerful if you know the best way to use the miles and points they accrue. 

Joseph Hostetler

Credit cards reporter

Joseph Hostetler is a credit cards reporter for Insider who also covers helpful miles and points tricks. He has more than five years of experience writing professionally about credit cards, previously authoring and editing for The Points Guy and Million Mile Secrets.
You can reach Joseph at [email protected]
Learn more about how Personal Finance Insider chooses, rates, and covers financial products and services »

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Featured credit cards from our partners

Featured Reward

60,000 points

Credit Needed

Good to Excellent

Featured Reward

3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

Credit Needed

Good to Excellent

Featured Reward

1.5% cash back in addition to regular earning on everything you buy up to $20,000 spent in the first year (worth up to $300 cash back)

Credit Needed

Good to Excellent

For rates and fees of The Hilton Honors American Express Business Card, please click here.

For rates and fees of the Hilton Honors American Express Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of The Business Platinum® Card from American Express, please click here.

Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. Read our editorial standards.

Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

More:

Personal Finance Insider
Credit Cards
Credit card essay
American Express

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