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The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Card Details
VS
Bilt World Elite Mastercard®

Bilt World Elite Mastercard®

Card Details

Compare the Features and Benefits of The Hilton Honors American Express Business Card and
Bilt World Elite Mastercard®

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
Trip Protections
No Foreign Transaction Fees
Annual Statement Credits
Grants Hotel Status
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Metal Card
Amex Offers
Unique Card Benefits
Earns Transferable Points
Primary Car Rental CDW Waiver
Cell Phone Protection
The Hilton Honors American Express Business Card
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
20.24%-29.24% (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
5x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
⌛ Limited Time Offer Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025. 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
Trip Protections
yes
No Foreign Transaction Fees
yes
Annual Statement Credits
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Metal Card
yes
Amex Offers
yes
Unique Card Benefits
no
Earns Transferable Points
no
Primary Car Rental CDW Waiver
no
Cell Phone Protection
no
Bilt World Elite Mastercard®
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
3x Dining Out / Food Delivery
2x Airfare
2x Car Rentals
2x Hotels
2x Cruises
1x Rent
Avg. Point Value
(Learn More)
$0.018
Bonus Offer
🎁 Bonus offer

There’s no traditional bonus offer, but Bilt cardholders can earn double points on purchases made on the first of the month (excluding Rent) up to 1,000 bonus points. You must use the card 5 times each statement period to earn points.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) 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

What is Bilt?

The Bilt Mastercard® is the only credit card that lets you pay your rent with no transaction fees and earn one point per dollar in the process.

This works with any landlord, up to $100,000 in rent per year as long as you make 5 other purchases each statement period.

Alaska Airlines – a Bilt Rewards Transfer Partner (Image Courtesy: Alaska Airlines)

Bilt Transfer Partners

Bilt Transfer PartnersAll transfer at a 1:1 ratio except ALL. Transfer times below:
Alaska Airlines MileagePlanTBD
Aer Lingus AviosWithin 10 minutes
Air Canada AeroplanWithin 10 minutes
Air France Flying BlueWithin 10 minutes
Avianca LifemilesWithin 10 minutes
British Airways AviosWithin 10 minutes
Cathay Pacific AsiaMilesWithin 10 minutes
Emirates SkywardsWithin 10 minutes
Iberia AviosWithin 10 minutes
JAL Mileage BankWithin 10 minutes (Account must be open 7 days before you can book an award with a Bilt transfer)
Marriott BonvoyUp to 48 hours; generally within minutes. (5,000 point bonus when you transfer 20,000).
IHG RewardsWithin 10 minutes
Southwest Rapid RewardsWithin 12 hours
United Airlines MileagePlusWithin 10 minutes
Turkish Airlines Miles&SmilesWithin 10 minutes
TAP Miles&GoTBD
Virgin PointsWithin 10 minutes
World of HyattWithin 10 minutes
Accor Live Limitless (ALL)TBD - Note, transfer is 3:2

💳 This card earns Bilt Rewards points. Bilt often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 50%, 100% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from Bilt Rewards points.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

Rent Day

On the 1st of every month, Bilt Rewards has “Rent Day” – where you’ll earn double points on dining, travel and other purchases excluding rent and tax payments (up to 1,000 bonus points each Rent Day) on that one day.

On Rent Day, they also have other bonuses and giveaways, which may include status trials on an airline or hotel partner or a points transfer bonus.

Summary

Overall, this card is pretty much a “must have” for renters, since there is no other way to earn points – with no transaction fees – when paying your rent.

There is also no annual fee to hold the card and no Foreign Transaction Fees.

I have one myself and don’t see any reason for any renter not to have it.

Disclaimers

 

Read more
Trip Protections
yes
No Foreign Transaction Fees
yes
Annual Statement Credits
no
Grants Hotel Status
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Metal Card
no
Amex Offers
no
Unique Card Benefits
yes
Earns Transferable Points
yes
Primary Car Rental CDW Waiver
yes
Cell Phone Protection
yes

Learn more about these cards today

The Hilton Honors American Express Business Card

Card Details

Bilt World Elite Mastercard®

Card Details

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