*WATCH ME APPLY* Hilton Honors American Express Business Card! (Amex Business Card Application)

It’s time to apply for a new Amex credit card! I’ve chosen the Hilton Honors Business Card for the BIG welcome offer of 130,000 points + Free Night Reward and ongoing benefits. Watch me go through the Amex business card application. Click “Show More” to see Ad Disclosure.

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WELCOME OFFER (Feb. 2022)
Earn 130,000 Hilton Honors points plus a Free Night Reward after spending $3,000 in purchases in the first 3 months. The free night reward comes in the form of a certificate that is valid for 1 year and has no limit on point value, cash value, hotel brand, or hotel category. So whether you use it at a Hilton Hampton Inn costing $80 or a Waldorf Astoria costing $800, it will work just fine as long as it’s a standard room!

🎬 VIDEO: How to Redeem Hilton Free Night Certificate
https://youtu.be/TFYE3tkLQug

The APR will be a variable 15.74% - 24.74% based on creditworthiness and other factors.

ANNUAL FEE = $95

EARNING POINTS
12X Hilton Hotels & Resorts
6X Flights booked directly w/ airlines or via Amex Travel portal
6X Car Rentals booked directly from select companies
6X U.S. Restaurants
6X U.S. Gas Stations
6X U.S. Shipping providers
6X U.S. Wireless Telephone Services purchased directly w/ providers
3X Other Purchases

KEY BENEFITS
- Hilton Honors Gold Status (complimentary)
- Hilton Honors Diamond Status after spending $40K in a calendar year on your card
- 1st Free Weekend Night Reward each year you spend $15K in a calendar year
- 2nd Free Weekend Night Reward each year you spend $60K in a calendar year
- Priority Pass membership: Up to 10 free visits per year, then day pass rate after that
- No Foreign Transaction Fees

MY CREDIT SCORE / CREDIT REPORT

Credit Scores
- Experian: 782 (FICO Score 8)
- TransUnion: 797 (VantageScore 3.0)
- Equifax: 819 (VantageScore 3.0)

Inquiries
- Experian: 6
- TransUnion: 6
- Equifax: 1

New Accounts
- Past 12 months: 2
- Past 24 months: 4

Average Age of Accounts
- 4 years

Prior Relationship
- Amex personal cards
- Amex business cards
- Amex High Yield Savings Account

MY CREDIT FACTORS – AFTER
- No changes to any factors. Once you have a card relationship with Amex, future credit card applications are usually a soft pull. Also, Amex business cards do not get reported to your personal credit report, so they do not affect your credit score nor to they effect the Chase 5/24 rule.

GOOD TO KNOW
- Anecdotally, you ‘may’ get an American Express financial review if you get high credit limits from them. For that reason, a general recommendation is to stay around $35,000 or less of total credit limit across personal and business credit cards, and at $25,000 or less on an individual card. This is not a hard rule and exceptions do exist. As you saw in the video, I went from a total of $31K of total credit to a new total of $50.2K after the approval. However, I also completed a very big spend year (2021) with Amex, putting over $97K through my cards, so that could have put me into the ‘exception’ category for now.

- Also, in terms of how many Amex cards can you have, the general answer is 4-5 credit cards and 10 charge cards. I had 4 Amex credit cards prior to applying for the Hilton Honors Business Card, and with the approval, I’m now at 5 credit cards.

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#americanexpress #hiltonhonors #amexbusinesscard