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The Hilton Honors American Express Business Card Review: Luxury Perks for a Low Fee

The Hilton Honors American Express Business Card Review: Luxury Perks for a Low Fee

The Hilton Honors American Express Business Card offers excellent benefits and rewards for a low annual fee.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Citi is an advertising partner.

Quick facts

More details

Rates & fees

  • Credit needed: 660 - 850
  • Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Earning rate: Earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Annual fee: $95
  • Foreign transaction fee: None
  • Other benefits: 10 free lounge visits with Priority Pass™ Select (enrollment required), Hilton Honors Gold status (enrollment required), option to earn Hilton Honors Diamond status (enrollment required), free weekend night rewards, travel and purchase protections, free employee cards

Quick facts

  • Credit needed: 660 - 850
  • Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Earning rate: Earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Annual fee: $95
  • Foreign transaction fee: None
  • Other benefits: 10 free lounge visits with Priority Pass™ Select (enrollment required), Hilton Honors Gold status (enrollment required), option to earn Hilton Honors Diamond status (enrollment required), free weekend night rewards, travel and purchase protections, free employee cards

More details

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
  • 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.

Rates & fees

  • Intro Purchase APR: N/A
  • Regular Purchase APR: 18.74% - 27.74% Variable
  • Intro BT APR: N/A
  • Regular BT APR: N/A
  • Annual Fee: $95
  • Foreign Transaction Fee: None
  • Balance Transfer Fee: N/A
  • See rates and fees

Pros

  • Excellent welcome offer
  • Strong earning rate
  • Foreign transaction fees: None
  • Low annual fee
  • Airport lounge access
  • Hilton Honors Gold status (enrollment required)
  • Free weekend night awards
  • Free employee cards

Cons

  • Most card perks require high spending threshold
  • Points have low value
  • $95 annual fee
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Is The Hilton Honors American Express Business Card worth it?

For its price point, The Hilton Honors American Express Business Card is one of our favorite business credit cards available. With a modest $95 annual fee, you may be surprised at the number of luxury travel benefits that come with this card. If you run any type of business, however small, and frequently stay at Hilton properties, you'll want to consider this credit card for your wallet.

Cardmembers enjoy benefits like complimentary Hilton Honors Gold status (enrollment required), free weekend night awards, airport lounge access and an extremely high welcome offer. Typically credit cards offering these types of top perks cost much more than the mere $95 The Hilton Honors American Express Business Card charges. This card is a superb option for business owners who frequently stay (or have employees who stay) with Hilton and spend a lot on their card annually. However, if you're not particularly loyal to the Hilton brand, you may benefit more from a more versatile business credit card, like the Ink Business Preferred® Credit Card.

If you spend $15,000 on your card in one calendar year, here’s what you can expect from The Hilton Honors American Express Business Card:

Spending
Bonus points
$5,000 on Hilton bookings60,000 points (12x points on Hilton bookings) + 90,000 points from Gold status (enrollment required)
$5,000 on business and travel purchases30,000 points (6x points on select business and travel purchases)
$5,000 on all other purchases15,000 points (3x points on all other purchases)
Total
  • 105,000 points — worth about $525
  • One free weekend reward

If you spend more than this, you’re eligible to receive even greater benefits — such as another free weekend award and Hilton Diamond status. For high spenders, this card offers the opportunity to obtain lots of bonus points and extended benefits.

Welcome offer

The Hilton Honors American Express Business Card offers a substantial welcome offer for new cardmembers:

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.

Since we value each Hilton Honors point at around 0.5 cents, this welcome offer is worth around $650.

money icon

How much is it worth? $650

Who is eligible to earn it? Consumers who have never had this card are eligible to earn this welcome offer. However, Amex may consider the number of American Express cards you have opened and closed, and other factors, when considering your eligibility.

Earning rate

The points you earn with The Hilton Honors American Express Business Card are catered to business operating expenses and travel purchases, but you’ll earn Hilton Honors bonus points for every purchase you make on your card:

Earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.

These high rates mean your points could add up quickly, earning you even more free nights at affiliated hotels.

Redeeming rewards

While you have a number of options when it comes to redeeming your Hilton Honors points, you'll get the best value from redeeming them for hotel stays.

Because Hilton operates on a dynamic pricing system, different properties will vary in how many points are required to redeem a free night depending on when and where you book. As a general rule of thumb, if the dollar amount price for a room is high, you'll get the best value booking it using points.

Complimentary Hilton Honors Gold status

One of the best perks of The Hilton Honors American Express Business Card is complimentary Gold status — Hilton Honors’ second-highest membership level (enrollment required). Usually, you’d need to have 28 qualifying nights, 14 stays or 52,500 base points to qualify.

If you want to work up to Diamond status — the highest tier in Hilton Honors — you’ll have to spend $40,000 in eligible purchases on your card in a calendar year (enrollment required). Once you qualify, you’ll enjoy benefits such as 100% bonus points on base points, executive lounge access, premium Wi-Fi and more.

  • 80% bonus points on base points with every stay — earn 9 points per dollar spent at Tru and Home2 brands and 18 points per dollar spent at all other Hilton properties
  • Space-available room upgrades, up to executive level
  • Daily food and beverage credit (U.S. hotels only) or continental breakfast (non-U.S. hotels) for you and another guest registered to your room
  • Milestone bonuses — earn 10,000 bonus points every 10 nights after you’ve stayed 30 nights in a calendar year
  • Elite rollover nights to get a head start on earning next year’s status
  • Fifth free night when booking a stay with points
  • Free Wi-Fi throughout the hotel
  • Free bottled water upon check-in at select hotels
  • Digital key and check-in
  • No resort fees on reward stays
  • Hilton Honors Experiences to bid on exclusive packages in auctions or more ways to redeem your points
  • Hilton Honors discount rate to unlock exclusive Hilton rates for members only

Other The Hilton Honors American Express Business Card benefits

Finally, The Hilton Honors American Express Business Card comes with the following additional features:

The Hilton Honors American Express Business Card comes with two opportunities to earn free night rewards. You’ll earn your first free weekend night award after spending $15,000 on eligible purchases in a calendar year and another weekend night reward after spending $60,000 on eligible purchases in a calendar year. It shouldn't be too difficult for businesses with lots of expenses to reach either of these thresholds.

Beyond hotel perks, you’ll enjoy a complimentary Priority Pass™ Select membership, providing you with 10 annual visits to over 1,300 airport lounges. You’ll need to enroll your card in the Priority Pass™ Select program to be eligible. To enter the lounge, you’ll need to show your same-day airline ticket for you and any guests you bring. If you exceed the 10 visits in one year, you’ll be charged the guest rate for any additional visits.

Extended warranty on covered purchases in the United States or its territories for warranties of five years or less — this coverage extends the original manufacturer’s warranty up to one additional year.

Purchase protection on covered purchases if lost or accidentally damaged, for up to 90 days from the purchase date. This coverage is limited to up to $1,000 per occurrence and up to $50,000 per cardmember account each calendar year.

Baggage insurance covers you for up to $1,250 per covered person for carry-ons and up to $500 per person for checked baggage.

Car rental loss and damage insurance provides secondary auto rental coverage when you pay for the entire rental with your card and decline the insurance offered by the rental company.

Complimentary employee cards with the ability to add an account manager to oversee your American Express account.

No foreign transaction fees when using your card on purchases while traveling internationally.

Drawbacks

  • Most card perks require a high spending threshold. Many of this card's top benefits require you to spend significantly before you can access the perk. To earn the free weekend night rewards, you'll have to spend $15,000 on your card. To earn a second free night, you'll need to spend $60,000 within that same calendar year. However, business owners may not have trouble achieving these requirements.
  • Points have low value. We only value Hilton Honors points to be worth about 0.5 cents per point, which is relatively low when compared to other rewards programs. However, if you're able to rack up enough of these points, they can still be valuable, and this card sets you up to earn significantly.
  • $95 annual fee. The Hilton Honors American Express Business Card charges a $95 annual fee, which may be off-putting to some users. That said, the numerous perks and benefits that come with this card are impressive given this fee is relatively low.

Alternatives to The Hilton Honors American Express Business Card

Here’s how The Hilton Honors American Express Business Card compares to similar cards.

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The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
American Express<sup>®</sup> Business Gold Card
American Express® Business Gold Card
Hilton Honors Aspire Card from American Express
Hilton Honors Aspire Card from American Express
Editor's Rating?
N/A
Annual Fee
$95
$295
$95
$450
More card details
Not available on ValuePenguin
Not available on ValuePenguin
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On Chase's Secure Website
Not available on ValuePenguin

The Hilton Honors American Express Business Card vs. American Express® Business Gold Card

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Verdict: More flexible rewards for a higher annual fee.

The American Express® Business Gold Card is suited for businesses that don't want all their rewards tied up with one brand, as it earns versatile Membership Rewards points that can transfer to many travel partners — Hilton included. With this card, you’ll Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month* plus 1 point per dollar on other eligible purchases. However, the elevated earnings rate is limited to the first $150,000 in combined purchases from these two categories each calendar year.

The categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

This card comes with a $295 annual fee but allows for much more flexibility with your travel rewards. Note, however, that you won’t get any Hilton Honors loyalty benefits with the American Express® Business Gold Card — so if those perks matter to you, apply for The Hilton Honors American Express Business Card.

The Hilton Honors American Express Business Card vs. Ink Business Preferred® Credit Card

On Chase's Secure Website

Verdict: Flexibility for non-Hilton users

The Ink Business Preferred® Credit Card by Chase is another business card that’s better for small business owners who value flexibility above all else. This card earns points through the Chase Ultimate Rewards® program, with transfer airline and hotel partners at a 1-1 ratio.

Keep in mind that Hilton is not a transfer partner in the Ultimate Rewards program. However, you can book any travel through the Ultimate Rewards portal and get a 25% redemption bonus for an elevated value of your points.

If you have no particular loyalty to the Hilton brand, we recommend getting the Ink Business Preferred® Credit Card instead of The Hilton Honors American Express Business Card. You’ll Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Above all, we like this earning rate, as it covers a wide breadth of purchase categories.

The Hilton Honors American Express Business Card vs. Hilton Honors Aspire Card from American Express

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Verdict: A luxury nonbusiness card for Hilton enthusiasts

Although the Hilton Honors Aspire Card from American Express isn’t a business credit card, it’s still worth comparing the two offers. This card has a much higher $450 annual fee but comes with a valuable set of benefits that make up for this difference. Cardholders can earn more than $500 in yearly travel statement credits, up to two free weekend nights each year and complimentary Diamond status (enrollment required).

Because the Hilton Honors Aspire Card from American Express is a personal credit card, it does not come with the typical business benefits. However, smaller shop owners and sole proprietors who are Hilton loyalists may prefer to apply for this card instead.

Should you get The Hilton Honors American Express Business Card?

The Hilton Honors American Express Business Card is the only business card offered by Hilton but is nonetheless competitive among many other business credit cards out there. It provides the right mix of Hilton and general travel perks for an annual fee of $95. Business owners with a moderate to high spend on operating expenses should have no problem maximizing this card’s value.

However, if you're not a Hilton loyalist or if you're willing to pay a higher annual fee, there are plenty of other great business credit cards out there to choose from instead.

Frequently asked questions

What score is needed for the The Hilton Honors American Express Business Card?

The Hilton Honors American Express Business Card requires a 660 - 850 credit score. Before applying, you should check your current credit score to make sure it's high enough to get approved.

Which is the hardest American Express card to get?

The hardest American Express card to get is the elusive Centurion® Card from American Express. This card is said to have an extremely high annual fee and is referred to as the Amex "Black Card."

Does the The Hilton Honors American Express Business Card do a hard pull?

Yes, any time you apply for a new credit card there will be a hard pull on your credit history. This can temporarily damage your credit score, but with proper attention, you can easily get it back up.

The information related to The Hilton Honors American Express Business Card, American Express® Business Gold Card and Hilton Honors Aspire Card from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).