The Hilton Honors American Express Business Card: Is it Right for Your Company?

The Hilton Honors American Express Business Card: Is it Right for Your Company?

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.

Hilton Hotels and Resorts offers a prolific portfolio of hotels, with over 6,300 properties worldwide. With well-recognized names like Waldorf Astoria and DoubleTree, the Hilton brand could be a great choice for business and leisure travelers alike.

For its price point, The Hilton Honors American Express Business Card is one of our favorite business credit cards out there. 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, this credit card should be considered for the top of your list.

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

Good for...

  • Free Hilton stays
  • Companies spending over $15,000 per year

Bad for...

  • Rewards with greater flexibility
  • Low spenders

Review: Is The Hilton Honors American Express Business Card a good option?

Although The Hilton Honors American Express Business Card is the only business credit card offered by Hilton, its features might be anything but average. Cardmembers enjoy benefits such as complimentary Hilton Honors Gold status, offering lots of ways to earn Hilton points. These features could make the card's $95 annual fee a relatively small investment.

The rewards you earn through The Hilton Honors American Express Business Card can only be used to book future stays with Hilton through its Hilton Honors loyalty program. If, however, you’re not particularly loyal to the Hilton brand, you may not want to get The Hilton Honors American Express Business Card. Instead, there are many other business cards that can provide much more flexibility with your points: The Ink Business Preferred℠ Credit Card, for example, lets you redeem your rewards for flights and hotel stays across multiple brands — even Airbnb.

Bottom line: The Hilton Honors American Express Business Card is a superb option for business owners who frequently stay (or have employees who stay) with Hilton. If you’re after a more versatile credit card, consider other options.

The Hilton Honors American Express Business Card benefits and features

Substantial welcome offer

The Hilton Honors American Express Business Card offers a substantial welcome bonus for new card members: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership. Since we value each Hilton Honors point around 0.5 cents each, this welcome offer can be worth $650.

Earn bonus Hilton Honors points

With The Hilton Honors American Express Business Card, it’s all about earning points. You’ll earn Hilton Honors bonus points for every purchase you make on your card, catered to business operating expenses and travel purchases: Earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply. Your points could add up quickly, earning even more free nights at affiliated hotels.

Complimentary Hilton Honors Gold status — with the opportunity to upgrade to Diamond status

One of the best perks of The Hilton Honors American Express Business Card is complimentary Gold status — Hilton Honors’ second-highest membership level. Usually, you’d need to have 40 qualifying nights, 30 stays or 75,000 base points to qualify.

The benefits of Gold status include:

  • 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
  • Free continental breakfast for you and another guest registered to your room
  • Milestone bonuses — earn 10,000 bonus points every 10 nights after you’ve stayed 40 nights in a calendar year
  • Elite rollover nights to get a headstart on earning next year’s status
  • Fifth free night when booking a stay with points
  • Free Wi-Fi throughout the hotel
  • Two free bottles of 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

Hilton Honors Gold status comes with a whole suite of benefits, from an accelerated earnings rate to free nights and breakfast. If you want to work up to Diamond Status — the highest tier in Hilton Honors — you’ll have to spend $40,000 on your eligible purchases in a calendar year. Once you qualify, you’ll enjoy benefits such as 100% bonus points on base points, executive lounge access, premium Wi-Fi and more.

Free weekend night rewards

The Hilton Honors American Express Business Card comes with two opportunities to earn free night rewards. You’ll earn your first free weekend night reward 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.

10 complimentary Priority Pass visits each year — access to over 1,200 airport lounges

Beyond hotel perks, you’ll enjoy a complimentary Priority Pass Select membership, providing you with 10 annual visits to over 1,200 airport lounges. To receive this perk, you’ll need to enroll your The Hilton Honors American Express Business Card in the Priority Pass Select program. 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.

Other crucial benefits

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

  • Extended warranty on covered purchases in the United States or its territories of 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 purchase date. This coverage is limited up to $1,000 per occurrence and up to $50,000 per cardmember account each calendar year
  • Complimentary employee cards with the ability to add an account manager to oversee your American Express account
  • American Express Business App to manage business card receipts
  • None foreign transaction fees when using your card on purchases while traveling internationally
  • Terms Apply

Overall, The Hilton Honors American Express Business Card includes a healthy number of benefits for Hilton fans and travel enthusiasts. 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
$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 from card (3X points on all other purchases)
Welcome offer130,000 points
Total
  • 325,000 points — worth about $1,625
  • One free weekend reward
{"alignsHorizontal":[],"alignsVertical":[],"columnWidths":[],"data":[["Spending","Bonus points"],["\u003Cstrong\u003E$5,000 on Hilton bookings\u003C\/strong\u003E","60,000 points (12X points on Hilton bookings) + 90,000 points from Gold status"],["\u003Cstrong\u003E$5,000 on business and travel purchases\u003C\/strong\u003E","30,000 points (6X points on select business and travel purchases)"],["\u003Cstrong\u003E$5,000 on all other purchases\u003C\/strong\u003E","15,000 points from card (3X points on all other purchases)"],["\u003Cstrong\u003EWelcome offer\u003C\/strong\u003E","130,000 points"],["\u003Cstrong\u003ETotal\u003C\/strong\u003E","\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 325,000 points \u2014 worth about $1,625\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n One free weekend reward\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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

How does The Hilton Honors American Express Business Card compare to other credit cards?

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

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

The American Express® Business Gold Card is suited for businesses that don't want all their rewards tied up to one brand, earning 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*. Then earn 1 point per dollar. 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.

Highlights

  • $295 annual fee
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*. Then earn 1 point per dollar.
  • Terms Apply
  • Read full review

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

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

  • On Chase's Secure Website

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 earnings rate, as it covers a wide breadth of purchase categories.

Highlights

  • $95 annual fee
  • 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.
  • Read full review

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

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

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

Highlights

  • $450 annual fee
  • Annual $250 airline incidental fee and $250 Hilton resort statement credits
  • Complimentary Hilton Honors Diamond status
  • Terms Apply
  • Read full review

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

ValuePenguin’s verdict

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 per year. Business owners with a moderate to high spend on operating expenses may have no problem maximizing this card’s value.

The information related to The Hilton Honors American Express Business Card, American Express® Business Gold Card and Hilton Honors American Express Aspire Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

Stella Shon

Stella Shon is a travel credit cards writer with ValuePenguin. After studying abroad in Paris three years ago, she became determined to keep traveling. That’s when she discovered the world of points and miles, which enabled her to travel on a student budget. Since then, she’s flown over 150,000 miles and earned more than 500,000 points and miles with eight different credit cards. While in college, she even co-founded her own travel agency, helping her peers plan and book trips on a budget. As a recent journalism graduate from UNC-Chapel Hill, her goal is to write about travel to make it simpler and achievable for everyone. Her work has also appeared on JetBlue, The Points Guy, Travel + Leisure and CNBC.

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).