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Hilton Honors American Express Card

Hilton Honors American Express Card

Card Details
VS
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Card Details

Compare the Features and Benefits of Hilton Honors American Express Card and
The Hilton Honors American Express Business Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Grants Hotel Status
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Amex Offers
Travel and Emergency Assistance Services
Annual Statement Credits
Grants Car Rental Status
Trip Protections
Does Not Report Credit Line to Personal Credit Profile
Metal Card
Hilton Honors American Express Card
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
7x Hotels

Applies to bookings at Hilton Honors properties booked directly with Hilton. Otherwise, earn 3X

5x Gas Stations

At U.S. Gas Stations

5x Dining Out / Food Delivery

At U.S. Restaurants. Take out and delivery included.

5x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Hilton Honors American Express Card is the entry level Hilton card in a family of three Hilton credit cards for individuals including this one, the Hilton Honors Surpass® Credit Card ($150 annual fee), and the Hilton Aspire® credit card ($550 annual fee).

(All information about the Hilton Honors Aspire® Credit Card ahas been collected independently by Your Best Credit Cards.)

If you stay with Hilton frequently and simply aren’t willing to pay an annual fee, this isn’t a bad card. With 7X earned at Hilton portfolio properties (we value that at 3.5% worth of points back since we value Hilton points at 0.5 cents each), you’ll certainly do well when you pay with this card at Hilton family hotels and resorts.

5X Hilton Honors points at US restaurants, US gas stations, and US supermarkets on a no-annual fee card isn’t bad either, with a 2.5% effective return on spend assuming a value of 0.5 cents per Hilton point).

restaurants-hilton-honors-american-express-card

However, if you do step up to the annual fee cards, you do get more. The Surpass comes with automatic Hilton Gold status instead of Hilton Honors Silver status, which adds a breakfast or meal voucher credit to your benefits along with room upgrades and gives you the opportunity to earn a Free Night Reward valid on any Standard Night Reward after $15,000 in spend.

And the Aspire, despite its heft annual fee, provides come crazy benefits like Diamond elite status.

However, you are probably reading about this card because you want a no annual fee Hilton credit card and this one is pretty strong for a new annual fee hotel card. Not to mention the shopping protections like Extended Warranty and Purchase Protection as well as no foreign transaction fees.

Rates and Fees for the Hilton Honors Credit Card from American Express

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Travel and Emergency Assistance Services
yes
Annual Statement Credits
no
Grants Car Rental Status
no
Trip Protections
no
Does Not Report Credit Line to Personal Credit Profile
no
Metal Card
no
The Hilton Honors American Express Business Card
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
5x Dining Out / Food Delivery
5x Groceries
5x Airfare
5x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

5x Car Rentals
5x EV Charging
5x Gas Stations
5x Cruises
5x Transit
5x Drugstores
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Rent
5x Streaming Services
5x Advertising (Online / TV / Radio)
5x Gym Memberships
5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
5x Construction Materials / Hardware Supplies
5x Online Retail Shopping
5x Amazon / Whole Foods
5x Entertainment (Concerts / Shows / Movies)
5x Costco
5x Shipping
5x Advertising on Search Engines and Social Media
5x Lyft
5x Single Charges over $5,000
3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5/2024. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X)  and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

hilton business card amex

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Travel and Emergency Assistance Services
no
Annual Statement Credits
yes
Grants Car Rental Status
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Metal Card
yes

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Hilton Honors American Express Card

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The Hilton Honors American Express Business Card

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