Learn more about Amex Hilton Business Card
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Amex Hilton Honors 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 Amex Hilton Honors Business card rewards
Here’s how to earn rewards with your Hilton business credit card:
Redeem Amex Hilton Honors Business card 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:
- Waldorf Astoria Hotels & Resorts
- LXR Hotels & Resorts
- Conrad Hotels & Resorts
- Canopy by Hilton
- Tempo by Hilton
- Motto by Hilton
- Signia by Hilton
- Hilton Hotels & Resorts
- DoubleTree by Hilton
- Curio Collection by Hilton
- Tapestry Collection by Hilton
- Embassy Suites by Hilton
- Homewood Suites by Hilton
- Home2Suites by Hilton
- Project H3 by Hilton
- Hilton Grand Vacations
- Hilton Garden Inn
- Hampton by Hilton
- Tru by Hilton
- Spark by Hilton
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.
Amex Hilton Honors 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.
Amex Hilton Honors Business card fees, rates & limit
Before you apply for this card, make sure you know the fees, rates and credit limit (see rates and fees).
Amex Hilton Honors Business card fees
American Express charges the following fees for the Hilton business card:
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Annual fee: $195
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Foreign transactions: None
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Balance transfers: No balance transfers allowed
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Cash advances: $5 or 3% of the transfer amount, whichever is greater
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Late payments: Up to $39
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Returned payments: $39
Amex Hilton Honors 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.
Amex Hilton Honors Business card 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 Amex Hilton Honors 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 Amex Hilton Honors 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:
How do I apply for the Amex Hilton Honors 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.
