How to Stay at a Luxury Resort in Turks and Caicos: Top 2 Most Affordable Methods (Hilton Honors)

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How to Book a Luxury Resort in Turks and Caicos for a Huge Discount!

Turks and Caicos Islands has been seen all over the internet has one of the most popular travel destination spots due to its beautiful beaches and some of the most turquoise water. It is also known to be a pretty expensive island to travel to. We will show you how you can book one of its luxury resorts for a significant discount!

Option #1: Using Hilton Honors Credit Card Sign-On Bonuses for Rewards Nights and Points

Overview

The first method we will get into is taking advantage of Hilton Honors welcome bonuses from its American Express co-branded credit cards. This is the best method to get a lot of Hilton Points without spending a large amount of money! If you have someone that you will be traveling with, they too can use this strategy to rack up the necessary amount of points it will take to book at least 5 nights at the resort in Turks and Caicos. If one person will only be utilizing this method or if you are a solo traveler, you can alternatively use this option in combination with buying points to obtain the required amount of points to book the amount of nights for the resort!

Method

The personal Hilton Honors credit cards and business credit card are listed below:

Hilton Honors Co-Branded Credit Cards (American Express)

We will show you the proper steps for this method to maximize your point accumulation through Hilton Honors welcome bonuses:

First, you should apply for the lowest tier card (Hilton Honors credit card) and hit the minimum spend ($2,000 in the first 6 months) to get 80,000 Hilton Honors points.
After you hit the bonus on the Hilton Honors, you will want to move to the Hilton Surpass credit card, which is the mid-tier card and hit the minimum spend ($3,000 in 6 months) for the Surpass to earn another 130,000 points.
Finally, you will want to apply for the highest tier card (Hilton Aspire) and hit its minimum spend ($6,000 in 6 months) to earn 150,000 points. Be sure to hit the Surpass minimum spend first before applying for the last card (unless you are able to hit both spends quickly).
At the end of the minimum spends, you will have a total of (at least) 393,000 points, which includes 360,000 from bonuses + at least 33,000 from x3 points on all spend on Hilton Honors credit cards (80,000 + 130,000 + 150,000 + $11,000 x 3 points).
You will repeat this sequence with a second traveler applying for only the first two cards (Hilton Honors and Surpass) to get an additional (at least) 225,000 points towards the end the minimum spends and obtaining all of the bonuses and point multipliers (80,000 + 130,000 + $5,000 x 3 points).
You will have your fellow traveler pool their points with you through bonuses and spend to combine all of the points to get a total of 618,000 points! You can pool points to your travel partner using this link. Pooling points is free, and it is a work around gifting points, which now costs a fee.
Once you have all of the points in one person’s account, go into Hilton Honors and find the property: Point Grace Resort and Spa, an SLH Hotel.

You will need to find dates at this property where there are 5 nights in a row with standard room availability (130,000 points per night). Here you can see on the calendar for January 2026, as an example, that there is a ton of availability for a standard room of 5 nights in a row! Select one of the dates in any month, costing 130,000 points per night, that will work for your own travel schedule:

Standard Rooms at this property are 130,000 points per night!

From here you will want to choose a standard room (130,000 points), either Poolside 1 Bedroom Suite or Pool View Cottage 1 Bedroom Suite.

Finally, you will be able to book your stay for only 520,000 points! A fifth free night will automatically be applied due to Hilton’s “fifth night free benefit” when you have at least Silver Status. You can actually redeem an additional night (with the Hilton Aspire free standard reward night benefit) on top of your 5 night stay, making it a 6 night stay!

You will earn a fifth night free on reward stays (4 nights booked with points) with at least Silver Status!

Total Cost

The total cost to implement the credit card welcome bonus method is estimated with the following fees you should expect:

No annual fee from the Hilton Honors Credit Card (x2).
$300 ($150 x 2) annual fee from the Hilton Honors Surpass Credit Card (x2).
$550 annual fee from the Hilton Honors Aspire Credit Card (x1).

The total cost of all of the annual fees from the opened credit cards to get the point bonuses will come out to $850! If you were to actually go to book the same resort with the same room type, the total cost would come out to $7,280.91! This means you are effectively getting almost a 90% discount off this resort! Additionally if you applied the free standard reward night with the Hilton Honors Aspire, you would be getting a 90% discount off this resort for 6 nights!

Nights on 1/6/26 through 1/10/26 for the same room type would cost **$7,280.91** when booking cash!

These are some disclaimers to note when talking about credit cards:

NEVER carry a balance on any credit card! We do not (and never will) advise you to go into credit card debt for this strategy!
Keep in mind your financial situation when going for a card member bonus. Please only spend on purchases that you would have otherwise made already! We would recommend saving this strategy for an already planned big future purchase that you are able to put on a credit card (wedding costs, tuition, furniture, etc.).
Always follow the terms and conditions of American Express. Keep your cards open for at least one year before making any decision to cancel. Attempting to “game” the system will blacklist you from American Express.
Keep in mind of American Express “pop-up jail” (American Express may inform you that you will not qualify for another sign-up bonus when applying past your first Amex credit card). This is Amex’s way of suppressing the amount of rewards offered to you, and usually time will resolve it. You may have to adjust this strategy for the longer-term if you run into this issue.

FAQ Section

How to Combine Hilton Points Between Two Accounts?: You will need to pool points between you and your travel partner to stack the total amount of points to use the fifth night free benefit! Pooling points is completely free. We would not reccomend the “gift points” option as it now costs a fee to transfer between Hilton accounts.
How to Earn “Fifth Night Free” Benefit?: The fifth night free benefit is available to Hilton Honors Silver, Gold, or Platinum status. The Hilton Honors American Express card will give you automatic Silver status while the Hilton Honors Surpass American Express card will give you automatic Gold status! Additional ways of earning the required Hilton Honors status is through:
- Holding the American Express Platinum card (complimentary Gold status)
- Having T-Mobile Magenta status (complimentary Silver status)
- Requesting a status match with Hilton Honors (for Gold status) if you have a similar status tier with another loyalty program (good for 90 days).
Why is the Point Redemption Much More Expensive?: This method will only work with standard rewards nights. If you see dates costing more than the specified point redemption amount, this means that a standard rewards night is not available at the property on the specified date. Having four people on the reservation will probably be much more difficult to find standard rates versus only having two people on the reservation.
Unable to Purchase Hilton Points?: You will be able to purchase Hilton points after 90 days of opening a Hilton Honors account (free to sign up) or 30 days with qualifying account activity (booking hotel stays, earning Hilton Honors points, or redeeming Hilton Honors points)
Do Hilton Points Expire?: Hilton Honors points do expire after 24 months of inactivity (be sure to either reserve nights, earn points through Hilton spend or Hilton Honors credit card spend, or redeem your points to keep your points from expiring)
Do Hilton Free Night Certificates Expire?: Hilton reward night certificates will only be good for one year. You may have the option to extend the rewards night for up to two weeks past the expiration date via customer service chat. Additional extensions may be granted if you directly call customer service, but these are not the standard. Keep this in mind when having to hit your minimum spend for the credit card sign-on bonuses because you will need to take account of time with the expiration dates of your rewards nights.
How to Redeem Hilton Free Night Certificates?: You will need to call Hilton Customer service to redeem your rewards nights, and they will be able to merge any separate reservations that you booked with points.
Why Do I Have a Different Amex Hilton Honors Welcome Bonus?: American Express welcome bonuses are also usually targeted, so your welcome bonus offers may be different. It may take some time to be able to implement this strategy. If you are lucky, sometimes cards will include a free night certificate in addition to the large point bonus that you receive after hitting the minimum spend!
Why Don’t I Qualify For a Second Hilton Honors Welcome Bonus?: To qualify for an additional sign-on bonus, be sure to apply for the lowest tier Hilton card first, then apply for the mid-tier (Surpass) second, and finally the high-tier (Aspire) last. American Express has a family card sign-up bonus restriction, meaning that if you have received a higher sign-on bonus from one of the cards in that “family” (Hilton Honors co-branded credit cards) you no longer qualify for a sign-on bonus from a lower-tier card. Additionally, see the disclaimers above regarding Amex “pop-up jail”.