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The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Card Details
VS
Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Card Details

Compare the Features and Benefits of The Hilton Honors American Express Business Card and
Southwest Rapid Rewards® Premier Credit 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
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Annual Statement Credits
Grants Hotel Status
Grants Car Rental Status
Does Not Report Credit Line to Personal Credit Profile
Metal Card
Amex Offers
Unique Card Benefits
Free Checked Bags
Priority Boarding
Roadside Assistance
Travel and Emergency Assistance Services
Free Access to Credit Score
The Hilton Honors American Express Business Card
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
19.49%-28.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Dining Out / Food Delivery
5x Supermarkets
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 / Phone
5x Cellular Phone Service
5x Office Supplies
5x Rent / Mortgage
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
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
🎁 Bonus offer
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. 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
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Annual Statement Credits
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Metal Card
yes
Amex Offers
yes
Unique Card Benefits
no
Free Checked Bags
no
Priority Boarding
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Southwest Rapid Rewards® Premier Credit Card
Annual Fee
$149
Avg. Min. Credit Score
670-850
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Supermarkets

Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.

2x Dining Out / Food Delivery

Earn 2 points for every $1 you spend at grocery stores and restaurants on the first $8,000 in combined purchases per anniversary year.

1x Airfare

3X applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

1x Everything Else
Avg. Point Value
(Learn More)
$0.0125
Bonus Offer
🎁 Bonus offer
Earn 55,000 bonus points after you spend $1,500 in the first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.93) 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 Southwest Premier credit card is Southwest’s mid-tier personal card. It balances offering some perks while still charging less than a $150 annual fee.

Cardholders get access to group 5 priority boarding and access to select both Standard and Preferred seats for themselves and up to 8 travel companions on the same reservation 48 hours before the flight, when available.

Get a better boarding position using EarlyBird Check-Ins reimbursed by your Southwest credit card. Southwest Rapid Rewards® Premier Credit Card

Points earned count toward earning the Southwest Companion Pass. Plus, primary cardholders earn 1,500 Tier Qualifying Points toward A-List Preferred Status for every $5,000 spent on the card each year.

The Southwest Premier Card doesn’t charge foreign transaction fees. Add in the higher earning rate on Southwest purchases, higher anniversary bonus, and ability to earn Tier Qualifying Points toward A-List Preferred Status (which the Plus doesn’t offer), and the Premier Card easily justifies its slightly higher annual fee, although, in our opinion, the Southwest Rapid Rewards® Priority Credit Card has the best value of the three cards.

Lastly, this card is great for getting a good piece of the way to a Southwest Companion Pass with the bonus offer, since the signup bonus points count. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

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

Learn more about these cards today

The Hilton Honors American Express Business Card

Card Details

Southwest Rapid Rewards® Premier Credit Card

Card Details

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