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The Hilton Honors American Express Business Card: Worth it for Loyal Business Travelers

The Hilton Honors American Express Business Card review
KEY TAKEAWAYS
  • The Hilton Honors American Express Business Card gives you 12 points per dollar spent on all qualifying Hilton purchases.
  • What we think: The Hilton Honors Business card is altogether a decent choice for business travelers who frequently stay at Hilton hotels. Its annual fee is a bit steep for a co-branded hotel card, but it comes with a multitude of benefits that could make it worthwhile.
  • Cardholders receive complimentary Hilton Honors Gold Status.
  • This Hilton business credit card lets you earn 3X-5X points per dollar spent on all non-Hilton purchases, plus bonus points in certain categories (see rates and fees).
  • You’ll need good or excellent credit to qualify for this card.
SUMMARY

The Hilton Honors American Express Business Card is ideal for frequent travelers who prefer to stay at Hilton properties.

It may be a good fit for you if you already belong to the Hilton Honors™ program and want to maximize the number of points you earn for each qualifying stay. This American Express credit card also comes with complimentary Hilton Honors Gold Status and other perks.

To help you choose the right business credit card for your needs, we did an in-depth review of the Amex Hilton Honors Business card.

Jump in and get answers to the following questions:

  • Is the Amex Hilton business credit card worth the $195 annual fee?
  • How do you earn rewards with the Hilton Honors American Express business card?
  • What benefits are included with your membership?
  • How does the Hilton Honors business card compare to other business credit cards?
PROS & CONS

Pros

  • Automatic Hilton Gold status
  • 10 airport lounge visits each year with Priority Pass (enrollment required)
  • Ability to earn a free night with enough spending

Cons

  • Can only redeem points at Hilton hotels
  • Need good or excellent credit to qualify
  • No complimentary free night
The Hilton Honors American Express Business Card
LEARN MORE
Key Information
Earn 12X points on eligible purchases made with resorts & hotels through Hilton and 3X-6X points on other eligible purchases (see card details). $195 annual fee.

Is The Hilton Honors American Express Business Card worth it?

The Hilton Honors American Express Business Card is worth it if you travel frequently and prefer to use Hilton hotels and resorts whenever you can.

You earn 12 points for every dollar spent on Hilton stays, plus complimentary Hilton Honors Gold Status and plenty of other travel perks, making the Hilton Honors American Express business card one of the best travel credit cards for loyal Hilton customers.

Although the card has a $195 annual fee, you can easily earn that back by using it to book hotel stays and pay for your everyday purchases.

Pros and cons

Pros
  • 12X Hilton Honors Bonus Points for every dollar spent at Hilton hotels and resorts
  • 3X-5X Hilton Honors Bonus Points for all other purchases
  • Complimentary Gold Status in the Hilton Honors program
  • Multiple travel perks
Cons
  • $195 annual fee
  • Requires good to excellent credit

Learn more about Amex Hilton Business Card

Terms apply / Rates & fees

The Hilton Honors American Express Business Card rewards

Like other rewards credit cards, the Amex Hilton Honors Business card comes with a generous welcome bonus and gives you several ways to earn and redeem points.

Here’s how you can make the card work to your advantage:

Welcome bonus

For a limited time, if you spend at least $8,000 during your first six months of Card Membership, you’ll earn 175,000 bonus points (Offer ends 6/5/24). The number of bonus points needed to book a room varies by location, property type and the date of your stay. However, the welcome bonus is enough to cover at least one night at many Hilton hotels.

Earn rewards

Here’s how to earn rewards with your Hilton business credit card:

1

Hilton purchases:

Earn 12 points per dollar spent at Hilton hotels and resorts. For example, if you spend $1,400 at a qualifying property, you’ll earn 16,800 Hilton Honors Bonus Points ($1,400 x 12 points per dollar spent).

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2

Bonus categories:

Earn 3 base points and 3 bonus points per dollar (6X total) on the following: purchases made at U.S. restaurants and gas stations, car rentals booked with eligible rental companies, flights booked with American Express Travel or directly with airlines, U.S. purchases for shipping and wireless telephone services purchased directly from U.S. service providers. Assume you spend $200 at a U.S. restaurant, $60 at a U.S. gas station and $500 on a flight booked with American Express Travel. You’d earn 4,560 Hilton Honors Bonus Points ($760 in purchases x 6 points per dollar spent).

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3

Other purchases:

Earn 5 points per dollar on all other purchases, on the first $100,000 spent per year, then 3 points per dollar. For example, if you spend $1,000 on groceries, $200 at your favorite clothing store and $75 on pet supplies, that’s 6,375 points ($1,275 in purchases x 5 points per dollar spent).

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Redeem rewards

Once you earn Hilton Honors Bonus Points, there are several ways to redeem them. One of the easiest is to use them to pay for stays at qualifying Hilton properties. As of March 2024, the Hilton portfolio includes more than 7,000 hotels and resorts, giving you plenty of options for redeeming your points.

Hilton owns the following brands:

Hilton even has a Points Explorer Tool to help you determine how many points you need to book a room and then match you with hotels based on your budget and destination. One of the main benefits of using your points to book rooms is that you get the fifth night free.

You can also use your Hilton Honors Bonus Points for Lyft credits, dining and concert experiences, Amazon purchases and rental car reservations. What makes the program even more valuable is that you can transfer your points to participating airline loyalty programs.

The Hilton Honors American Express Business Card benefits

In addition to giving you bonus points on every purchase, the Amex Hilton Honors Business card comes with a variety of travel and shopping benefits.

Complimentary Hilton Honors Gold Status and Diamond Status upgrade

As a cardholder, you’re entitled to complimentary Hilton Honors Gold Status, which allows you to earn 80% more points on stays. Gold members also receive free bottled water, free continental breakfast or a daily food and beverage credit, complimentary room upgrades when available and bonuses for important milestones.

You also have the opportunity to earn Diamond Status by spending $40,000 on eligible purchases in a calendar year. Diamond members receive a 100% bonus on all base points earned at Hilton properties.

Free Night Reward

If you spend at least $15,000 on your Hilton Honors Business card within a calendar year, you’ll earn a Free Night Reward from the Hilton Honors program. Spend another $45,000, bringing your total to $60,000 in a calendar year, and you’ll earn a second Free Night Reward.

Complimentary Priority Pass visits

Cardholders receive a complimentary Priority Pass® Select membership. To use this benefit, you must register your Hilton Honors American Express Business card with the Priority Pass Select program. Once you’re enrolled, you’re entitled to 10 free lounge visits per membership year.

Baggage insurance plan

Your membership comes with access to baggage insurance worth anywhere from $500 to $1,250 per covered person. This type of insurance kicks in if your baggage is lost or damaged while traveling via a common carrier. Note that there’s a $250 limit for high-risk items.

Rental car insurance

The rental vehicle damage and theft plan covers up to $50,000 per rental agreement, giving you extra peace of mind when you’re on the road. To use this benefit, you must decline the optional insurance coverage offered by the rental company and use your Amex Hilton Honors Business card to pay the full cost of the rental.

Global Assist Hotline

Cardholders have access to the Global Assist Hotline, which connects you with agents trained to connect you with a variety of resources. You can use this benefit any time you’re traveling more than 100 miles from home.

Amex offers

American Express partners with companies around the world to bring you discounts and other special offers. For example, you may get 10% back on a purchase or receive a flat rebate of $25 when you meet the minimum spending requirements.

Extended warranty

When you use your card to make a purchase, American Express extends the manufacturer warranty for up to one year. This benefit is only available on items with original warranties of five years or less. The extended warranty covers up to $10,000 per purchase (limit of $50,000 per card).

Purchase protection

When you use your card to make a covered purchase, you also get up to 90 days’ worth of purchase protection. This benefit applies when an item is damaged or stolen within the coverage period.

In most cases, you’re covered for up to $1,000 per item ($50,000 per calendar year). The exception is if the damage occurs due to a natural disaster. Then you’re covered for up to $500 per event.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Fees, rates & limit

Before you apply for this card, make sure you know the fees, rates and credit limit (see rates and fees).

Fees

American Express charges the following fees for the Hilton business card:

Interest rates

The Amex Hilton Honors Business credit card has a variable APR ranging from 20.99% to 29.99%. American Express bases the APR for this card on the current Prime Rate. The card doesn’t allow balance transfers, so there’s no balance transfer APR. There’s also no introductory purchase APR.

Credit limit

The credit limit for this card varies based on your income, creditworthiness and other factors. Some users start with low limits, while others qualify for limits of $10,000 or more.

How The Hilton Honors American Express Business Card compares

The Amex Hilton Honors Business card performs well against other travel credit cards, but you may want to consider another card if you want to earn cash back or other rewards based on non-travel spending.

To make it easier for you to choose the best credit card, we compared the Hilton Honors business credit card against three similar products. Here’s how it stacked up.

The Hilton Honors American Express Business Card vs. Marriott Bonvoy Business® American Express® Card

If you have the Hilton Honors American Express Business card, you earn 12 points per dollar spent on qualifying stays. In contrast, the Marriott Bonvoy Business® American Express® Card gives you 21 points per dollar spent (see rates and fees).

Both hotel credit cards have generous welcome offers. The Marriott Bonvoy card requires you to spend $6,000 within six months of opening your account to earn three Free Night Awards.

If you’re loyal to Hilton, it’s still worth getting the Amex Hilton Honors Business card, but if you want to earn free nights faster, you may want to get the Marriott Bonvoy card instead.

The Hilton Honors American Express Business Card vs. The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express has no annual fee (see rates and fees), but you only earn 2 points per dollar spent on everyday eligible business purchases and 1 point per dollar spent on everything else.

Additionally, the welcome offer is only worth 15,000 bonus points — significantly less than what you earn with the Hilton Honors American Express Business card. The Hilton card is the clear winner here.

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

The Hilton business card has a better offer than the Ink Business Preferred® Credit Card, as you have to spend $8,000 within six months of opening your account. To earn the welcome bonus for the Ink Business Preferred card, you need to spend $8,000 within the first three months of membership.

Additionally, you only earn 3 points per dollar spent on travel. You can earn rewards much faster with the Hilton Honors American Express Business Card.

Is The Hilton Honors American Express Business Card right for me?

The Amex Hilton Honors Business card may be right for you if you’re a loyal Hilton customer who travels often enough to rack up free nights. It’s also a good fit for small business owners as it offers bonus points in multiple spending categories.

If you don’t travel often but are looking for an Amex business credit card, these other cards may be a better option:

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

How do I apply for The Hilton Honors American Express Business Card?

You can learn more about The Hilton Honors American Express Business Card and apply online.

You need a good to excellent credit score range to qualify for this card. If you meet this requirement, fill out the application on the American Express website. You’ll have to provide your contact information, taxpayer ID number, annual income and other details.

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FAQ: The Hilton Honors American Express Business Card

Is The Hilton Honors American Express Business Card worth it?

It’s worth it if you travel frequently and book rooms at Hilton hotels and resorts whenever you can. If you don’t travel often or you’re not loyal to a particular hotel brand, you may want to consider another credit card.

What are The Hilton Honors American Express Business Card benefits?

The Hilton Honors American Express business card comes with many benefits, including 12 points per dollar spent on Hilton stays, complimentary Hilton Honors Gold Status, baggage insurance, rental car insurance and extra shopping protections.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Does The Hilton Honors American Express Business Card give you Hilton Honors Diamond Status?

When you open an account, you automatically get Hilton Honors Gold Status. To earn Diamond Status, you must spend at least $15,000 on your card in a calendar year.

What credit score do I need for The Hilton Honors American Express Business Card?

American Express doesn’t publicize the minimum score needed to qualify for this card. However, the Hilton business card is for consumers with good to excellent credit (670+ FICO). We recommend having at least a 690 FICO score to maximize your chances of approval.

Can you add authorized users to The Hilton Honors American Express Business Card?

Yes, you can add an authorized user to your card.

How hard is it to get The Hilton Honors American Express Business Card?

You must have a credit score in the good or excellent range, so it’s more difficult to get the Amex Hilton Honors Business card than it is to get a starter credit card or a card for building your credit after a financial setback.

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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