The card comes with Hilton Honors Gold Status, which entitles you to free breakfast (or a daily food and beverage credit) on all Hilton hotels and resorts.

After $40,000 in annual spend you will be upgraded to top-tier Hilton Diamond status. This is a nice benefit if you only want business cards, however you could consider the personal Hilton Aspire card ($450 annual fee) which comes with instant yearly Diamond status if that is of particular interest.

Both Gold and Diamond status levels come with free breakfast (or a daily food and beverage credit), but Diamonds also get executive lounge access and better upgrades, including standard suites.

The Hilton Business card comes with 10 complimentary visits to Priority Pass lounges each year, via a limited Priority Pass membership. You may bring guests, however they will count against your yearly limit of 10. If you exceed 10 visits, you’ll pay per visit you’ll be subject to a fee equal to the amount of the guest visit fee of the Priority Pass Standard program.

Enrollment required. Terms apply.

While the Hilton Business credit card card does not offer protections for trip delays or cancelations, it does provide a Baggage Insurance Plan. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. See the American Express website before applying for all details.

Terms:

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

• 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.

The Hilton Business card’s CDW (collision damage waiver) is secondary to your personal car insurance and covers Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Not all cars are covered so call in advance of your rental if you are unsure. Does not cover vehicles in Australia, Italy, and New Zealand. This benefit does not include liability coverage.

Terms:

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

• 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

The extended warranty on the Hilton Honors Business card extends the Original Manufacturer’s Warranty for up to one additional year. This benefit applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Note that you must pay for the product in full with your Card. This is a reason to avoid using gift cards on eligible purchases for which you want this coverage.

Terms:

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

• 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.

With Purchase Protection, when you use your Hilton Honors Business Card, Covered Purchases are protected for up to 90 days from the date of purchase if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions at the American Express website before you apply for all details.

Terms:

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

• 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.

One of the benefits of (most) business credit cards is that they do not report your credit line. The American Express Hilton Business Card will not report that you have this card nor your balance, as long as your card is in good standing. Note that your personal credit may still be checked when you apply for the card.

The The Hilton Business credit card doesn’t charge any foreign transaction fees.

You can get employees their own cards at no additional cost.

This card comes with access to Amex Offers, a free offering of discounts on assorted purchases. They often offer things like up to 20% off an airline purchase or cash back for dining at a specific restaurant. They also often offer bonus points per dollar at select stores.