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Updated with new limited-time offers. Hilton Hotels and American Express have co-branded credit cards with special perks for Hilton customers. Each person can typically only get one welcome offer, per card in your entire lifetime, so it’s best to apply during a temporary bump-up and/or limited-time offer. Hat tip to DoC and DDG, which has found some personal links without the once-per-lifetime language (“NLL” or “no-lifetime-language”). The business links below still include the NLL. Here’s what the “lifetime-language” looks like, and there should be a pop-up indicating that you are indeed not eligible for the bonus based on their records.

You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Hilton Honors American Express Card (No Annual Fee)

• Limited Time Offer: Earn 70,000 Bonus Points and one Free Night Reward after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer Ends 4/15/26.
• 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 5X Hilton Honors Bonus Points per dollar on purchases at US restaurants, US supermarkets, and US gas stations.
• 3X Hilton Honors Bonus Points for all other eligible purchases.
• Hilton Honors(TM) Silver Status comes with this card. Spend $20,000 on eligible purchases on this card within a calendar year and upgrade this benefit to Hilton Honors(TM) Gold Status through the end of the next calendar year.
• No foreign transaction fees.
• No annual fee.

Hilton Honors American Express Surpass Card ($150 Annual Fee)

• Limited Time Offer: Earn 130,000 Bonus Points and one Free Night Reward after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Offer Ends 4/15/26.
• 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 6X Hilton Honors Bonus Points per dollar on purchases at US restaurants, US supermarkets, and US gas stations.
• 4X Hilton Honors Bonus Points for each dollar on U.S Online Retail Purchases.
• 3X Hilton Honors Bonus Points for all other eligible purchases.
• Hilton Honors(TM) Gold Status comes with this card. Spend $40,000 on eligible purchases on this card within a calendar year and upgrade this benefit to Hilton Honors(TM) Diamond Status through the end of the next calendar year.
• Up to $200 in Hilton Credits annually. Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That’s up to $200 in statement credits annually.
• No foreign transaction fees.
• Earn an additional Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• $150 annual fee.

Hilton Honors American Express Aspire Card ($550 Annual Fee)

• Limited Time Offer: Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 4/15/26.
• 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
• 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com; on car rentals booked directly from select car rental companies; & at U.S. restaurants.
• 3X Hilton Honors Bonus Points for all other eligible purchases.
• Hilton Honors(TM) Diamond Status comes with this card.
• $400 Hilton Resort Credit. Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That’s up to $400 back annually.
• $200 Flight Credit. Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card.
• $209 CLEAR+ Credit. CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. Receive up to $209 per calendar year in statement credits, when you pay for a CLEAR+ Membership (subject to auto-renewal) with the Hilton Honors American Express Aspire Card.
• No foreign transaction fees.
• Multiple Free Night Reward Opportunities. Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal. Earn another Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend a total of $60,000 in purchases on the Card within the same calendar year.
• $550 annual fee.

Hilton Honors American Express Business Card ($195 Annual Fee)

• Limited Time Offer: Earn 175,000 Bonus Points and one Free Night Reward after you spend $8,000 in purchases on the Card within your first 6 months of Card Membership. Offer Ends 4/15/26.
• 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
• 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
• Up to $240 in Hilton credits annually (Up to $60 per quarter). Get up to $60 in statement credits each quarter for purchases made with this card directly with a Hilton portfolio property.
• Complimentary Hilton Honors(TM) Gold Status (free breakfast, room upgrades based on availability, 5th standard reward night free).
• Upgrade this benefit to Hilton Honors(TM) Diamond Status through the end of the calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
• $195 annual fee.

What are Hilton Honor points worth? The best value is from booking free hotel nights or using their “Points & Money” option where you pay with a combination of Hilton points and cash. Hilton has some really nice properties, but the value varies from hotel to hotel. I just ran a search and for the same 60,000 Hilton points, I could book rooms that cost $320 or $532 cash. I’ve seen some valuations around 0.6 cents per point, which I think is fair on average, but I would be more conservative at 0.5 cents a point. That would make 150,000 points = $750 value and 100,000 points = $500 value towards Hilton hotel stays.

The good part of Hilton points is that they have so many different hotel brands, from business-class DoubleTree to luxury Waldorf Astoria. Hilton also lets you transfer and pool points with other with other family or household members. As long as you are able to keep them active (once every 12 months), I do like to keep some around. These credit cards are handy for creating activity.

Free Night Award details. When it is offered (not all the time), the Free Night Award is valid for a one-night standard room at eligible Hilton properties, and also covers resort fees and taxes. There are many great and valuable options to redeem, but importantly read about the property exclusions here. Here are the full terms. To redeem the Free Night Reward, you must call 1-800-446-6677 (1-800-HHONORS). It’s quite easy and I’ve found the agents to be very helpful if you want to combine multiple certificates, combine a paid stay and a Free Night Award, etc. Free Night Rewards will expire 12 months from date of issuance.

I’ve used this Free Night Award at the Grand Wailea in Maui, and that standard room would have cost 110,000 Hilton Points otherwise. Other fancy possibilities include Conrad New York, Conrad London, Waldorf Astoria Park City, and Waldorf Astoria Beverly Hills.

Bottom line. Hilton American Express cards offer regular Hilton customers a good opportunity to earn additional points towards free Hilton hotel stays as well as additional perks like status upgrades. The best time to apply for a Hilton co-branded American Express card is during a limited-time increase to their welcome offers. This is because American Express has changed their standard policy to only allow each person to get a welcome offer once per card.

Also see: Top 10 Best Credit Card Bonus Offers and Top 10 Best Business Card Offers.

A market-capitalization weighted portfolio is one where assets are held in proportion to their total market value (share price * # of shares). For example, if you were to buy into the S&P 500 index (a cap-weighted index), right now you would be buying ~170 times more of Amazon (~$2 Trillion value) as Best Buy ($13 Billion value). But as the share value of each company changes, you wouldn’t have to do anything to maintain market-cap weighting.

What if you wanted to weigh your entire portfolio based on values of all the investable assets in the world? This chart from WisdomTree’s 2/26 update breaks it down for you (found via Weekly Chartstorm).

Roughly, you’re looking at 50% equities, 30% debt (fixed income/bonds), 12.7% of gold (!), and 1% in digital assets. The gold number surprised me. These values are credited to Bloomberg and Wisdomtree as of 2/2/26. Market cap values are in billions.

Let’s check some of those numbers. The chart estimates the total market value of all the equities in the world at ~$135 Trillion, which also roughly matches other sources. The chart estimates the total market value of all the gold in the world at ~$33 Trillion, which roughly matches other sources. That gives us a ratio of roughly 4:1 of stocks:gold.

However, I wrote in 2016 about the idea of Investing 1% Of Your Portfolio Into Gold, where another source said that the world market cap weighting for gold at that time was a tad under 1%. Looking closer, this number appears to be an estimate of the world’s total quantity of gold held for investment.

At first, I thought this was like how you can’t own every business in the world since many are privately-held, when we talk about equities we are actually talking about publicly-investable businesses. Okay, so it looks like roughly 50% of the gold above ground is used in jewelry and 15% for industrial purposes. But still, isn’t gold jewelry also considered an investment? How do you decide how much of gold is an investment asset by someone, and how much isn’t? Maybe a true global market-cap weighting of gold is not quite as high as in the chart of above, but still significantly higher than what I previously thought.

Updated with 2026 promo details. Pennsylvania State Employees Credit Union (PSECU) has a $300 new checking account bonus. That is also my referral link as I successfully did a similar $300 deal previously. PSECU is a digital-first credit union with a very open membership. If you don’t satisfy the available free options, anyone can join with $10:

Don’t meet any of the criteria above? No problem! You can still become eligible for PSECU membership by joining the Pennsylvania Recreation and Park Society (PRPS).

PRPS is a statewide association providing education, advocacy, and resources for those working and volunteering to manage Pennsylvania’s 6,000+ local parks. Park and recreation departments provide safe and affordable recreation opportunities, creating stronger and more inclusive communities.

PRPS membership dues are $20, but we cover $10 when you select to join PRPS during our application process.

There may also be a required $5 initial deposit into a share savings account. I also experienced a hard credit check on Experian when I joined over a year ago, but more recent reports are that they have switched to a soft pull. Here are the details on the bonus requirements:

$300 Checking Bonus Requirements

• Enter your email address into the referral link. Make sure this email address matches the one on your application.
• Complete your application with promo code 2026REFER (should be automatically applied) and be approved for at least one savings and one checking account with debit card.
• Sign up and log into digital banking (online or mobile).
• Set up and receive 2 Qualifying Payroll Direct Deposit(s), each of $500 or more, into either the new savings or checking accounts.
• Above must be completed within 100 days of establishing your membership.

My application process went smoothly and similar to other credit unions. I did have to upload a scan of the front and back of my driver’s license to help verify my identity (which is a good thing in my opinion) as well as answer some identity verification questions based on my credit report. The application took a couple days to process but I was able to get my account information and online access without any phone call or physical paperwork required. I did have to call them briefly to get my checking account number (didn’t want to wait on the free checks to arrive) in order to set up my direct deposit. My bonus arrived without issue and as promised.

One bonus per tax ID, so a couple could each open their own PSECU accounts and get $300 each even if they live in the same household.

PSECU occasionally has some decent CD rates, and they have a 2% cash back credit card with no annual fee if you maintain a checking account with direct deposit.

Greenlight perk. Another useful perk of PSECU for those with kids and teens is they include a free Greenlight subscription, which is a popular reloadable debit card service for kids. This is usually $5 a month ($60 a year). Here’s my Greenlight Kids Debit Card review.

More fine print, saved for future reference:

* $300 New Member Bonus Terms and Conditions. From 1.1.26 to 12.31.26, PSECU is running a new member incentive bonus. To be eligible to receive $300, new members must apply for membership using the promotional code and satisfy each of the requirements listed below. Your membership application must be started between 1.1.26 and 12.31.26 to be eligible to participate in this bonus offer. Applications started before 1.1.26 or after 12.31.26 will be disqualified from participation in the promotion. After the first 100 days from the date membership is established, PSECU will assess whether all promotional requirements have been met. If eligible, bonus processing may take up to an additional 45 days. Therefore, if all conditions are satisfied, the $300 bonus can be deposited into your Regular savings share within 145 days of the membership establishment date. PSECU reserves the right to extend processing time if requirements are not met or if additional verification is needed. This promotion is limited to individuals who are either a U.S. Citizen or permanent resident alien residing in the U.S. who are 18 years of age or older at the time membership is established. Eligibility is determined based on the applicant’s status as of the date of membership establishment, and no exceptions will be made. Limit one (1) new member $300 New Member Bonus per tax identification number used to open a new PSECU account. Joint owners listed on accounts are not eligible to be rewarded for this bonus unless they open their own account. You will not be eligible for the $300 New Member Bonus if you are a current PSECU member or have closed an account within the past 12 months. You are not eligible to receive this bonus if you ever received any new member incentive bonus from PSECU for opening a new account, regardless of when the prior bonus was awarded. This restriction applies to all prior new member promotional offers and is not subject to exception. Members who open accounts and/or loans by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information, are not eligible to participate in this bonus offer. PSECU may adjust the deposited bonus or remove the deposited bonus at any time if PSECU suspects accounts and/or loans were opened by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information. A minimum share deposit of $5 is required to open and maintain a Regular savings share account. The $5 share deposit is also a mandatory condition for eligibility to receive the $300 New Member Bonus, and the member must be in good standing as defined by PSECU’s Bylaws Article II, Section 1. A $5 minimum share purchase will be made on behalf of the new member by PSECU. The Annual Percentage Yield on PSECU’s Regular savings share account is 0.25%. This variable rate is current as of 12.1.2025 and may change. Withdrawals and fees may reduce earnings on the account. The recipient of the bonus ($300) is solely responsible for payment of applicable taxes on that amount. If you have any questions, please seek the advice of a qualified tax professional. The decision to award a portion or total bonus is solely within PSECU’s discretion, and all decisions made by PSECU shall be final. PSECU may terminate or change the terms and conditions of this promotion without notice. Subject to all applicable federal, state, and local laws and regulations.

Updated with new and slightly improved 5% deposit bonus. Also, check if any of your past bonuses are unlocked. Crypto exchange OKX is currently offering a few different bonuses which may be stackable. Details below.

1. New customers: $200 referral bonus Should auto-populate the promo code 79795662. That’s mine, thanks if you use it! Details below.
2. New and existing customers: New 5% Deposit Match for all deposits of at least $10 (max $5,000 on $100k deposit). 24 week hold period to get full deposit match, paid out every 14 days. Details below. If you use your deposits to hold USDG, then you will stack on top of the 5% APY earned on USDG.
3. New and existing customers: 5% APY on USDG (stablecoin)
4. New and existing customers: Free crypto via X Drops Club. Must maintain a $1,000+ portfolio of crypto (cash, USDC, USDT and USDG stablecoin does not count). BTC, ETH do count. You must also “join” each airdrop before the window closes. More details here and here.

1. $200 New customer bonus details. For new OKX customers:

• Sign up via special referral link. I think they allow either smartphone or browser sign-up, but identity verification may be easier on a smartphone. That’s my referral link, which should auto-populate with the promo code 79795662. Thanks if you use it!
• Complete identity verification (driver’s license and smartphone selfie).
• $200 BTC Bonus if you deposit $200+ of either cash (link bank account via Plaid) or crypto within 30 days, trade that $200 or more of crypto (can purchase stablecoin like USDG), and hold the assets for at least 30 days within a 90-day period. After 90 days, the bonus will be tradable and withdrawable.
• Stablecoins such as USDG, USDT, and USDC qualify for deposit, trading volume, and AUM holding requirements.

2. New 5% Deposit Match

• OKX is running a 5% bonus match on new deposits (minimum $10 and maximum $100,000). You must hold for 24 weeks to get the full 5%, but it is paid out gradually every 14 days (2 weeks). That means up to a $5,000 payout on $100,000 after 24 weeks. You still keep liquidity and can withdraw your deposits at any time, but you lose the match.
• Must opt in *first* by March 4th, 2026, and then make the deposit. Look for this offer in app.
• Full terms.
• This works out to over 10% annualized, plus if you hold USDG that also earns an additional 5% APY at OKX.

3. OKX is also paying 5% APY on USDG deposits currently. USDG stablecoin is not FDIC-insured. They claim to be fully backed by US Treasury Bills with monthly audits and regulated by Singapore, but I still plan to withdraw my USDG out into a real FDIC-insured bank as soon as the holding period is over. This is a short-term play for me; I’m in for the stacking bonus duration and then I’m out.

4. X Drops Club is a recurring rewards program with automatic daily drops that scale with a user’s eligible crypto balance. Must maintain $1,000+ in eligible crypto assets (excluding fiat, USDC, USDT, and USDG).

Please perform your own due diligence on crypto apps. They are still not regulated on the same level as bank account or brokerage accounts. The bonuses are bigger, but there is added platform risk with crypto apps that are not FDIC or SIPC-insured. I don’t like to keep significant funds in there any longer than is required for the bonus to clear, and I only do short-term deals.

Here is the OKX Wikipedia page and they are profiled in the Forbes article “The World’s Most Trustworthy Crypto Exchanges”. (Also see: Kraken and Gemini bonuses.)

Note: OKX does not allow customers to be individuals residing in New York, Texas, American Samoa, Guam, the Northern Mariana Islands, and the US Virgin Islands.

Bank of America has a press release that their “Preferred Rewards” program is changing to “BofA Rewards” on May 27, 2026 (hat tip Bogleheads). Notable changes include the tier names, their required balances, and higher requirements for credit card rewards boosts. Here is a comparison of the old and new tiers.

Preferred Rewards Tiers (OLD; Current)

• Gold – $20,000 to < $50,000 combined balance
• Platinum – $50,000 to < $100,000 combined balance
• Platinum Honors – $100,000 to < $1,000,000 combined balance
• Diamond – $1,000,000 or more combined balance

BofA Rewards Tiers (NEW; Effective May 2026)

• Member – Less than $30,000 combined balance
• Preferred Plus – $30,000 to < $100,000 combined balance
• Preferred Honors – $100,000 to < $1,000,000 combined balance
• Premier – $1,000,000 or more combined balance

Combined balances refers to the three-month average account balance across qualifying Bank of America and Merrill accounts. Qualifying accounts include:

• Bank of America deposit accounts: Bank of America Advantage Banking, savings, money market savings, CD and IRA accounts
• Merrill® investment accounts, such as the Cash Management Account (CMA) and IRA accounts
• 529 plans appearing on your Merrill statement
• Revocable grantor trust accounts

The big negative change is that you now need the Premier ($1,000,000+) tier to get the maximum 75% boost in credit card rewards. That’s a huge 10X increase in the balance required.

New BofA Rewards Tiers x Credit Card Rewards Boosts

• Member – Credit card rewards boost: 10%
• Preferred Plus ($30k+) – Credit card rewards boost: 25%
• Preferred Honors ($100k+) – Credit card rewards boost: 50%
• Premier ($1M+) – Credit card rewards boost: 75%

Many people have moved over stock holdings to a self-directed brokerage account at Merrill Edge in order to qualify for some of these rewards. Going from a 75% boost to 50% boost may mean going from 2.6% cash back on everything to 2.25% cash back, unless your combined balances meet the $1 million mark. A disappointing change.

A possible positive offset are new monthly credits on the higher tiers if you make certain purchases on your BofA debit card linked to your BofA checking account.

New BofA Rewards Tiers x Monthly Debit Card Credits

• Member – No subscription credits
• Preferred Plus ($30k+) – No subscription credits
• Preferred Honors ($100k+) – Up to $8 per month in statement credits for “several pre-determined subscription services” (up to $96/year).
• Premier ($1M+) – Up to $15 per month in statement credits for “several pre-determined subscription services” (up to $180/year).

BofA has not announced the eligible subscriptions yet, but hopefully it is a flexible category. This will be an important detail, and it could offset a big part of lost cashback rewards for those with lower credit card spending.

Current Preferred Rewards members will be automatically enrolled in BofA Rewards. The terms state that current Gold and Platinum tier members will initially be changed to the Preferred Plus tier, even with the new balance mismatches.