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The Hilton Honors American Express Business Card

For business owners that often stay at Hilton portfolio family hotels and resorts.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

The Hilton Honors American Express Business Card

For business owners that often stay at Hilton portfolio family hotels and resorts.

BONUS OFFER

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms Apply.

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Key facts

The Hilton Honors American Express Business Card earns a huge 12X points on eligible Hilton purchases at Hilton portfolio hotel and resorts, so you’ll quickly earn Hilton Honors points by charging all of those stays to this card.

Annual Fee:

$95 (Rates and fees)

AVG Point Value:

$0.005 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

20.99%-29.99% Variable

Foreign Transaction Fee:

0%

It also features an earn rate of 6x bonus points on select business and travel categories in the US: gas stations, wireless phone services, shipping, restaurants, flights booked directly, and car rentals booked directly with select car rental companies.

Reward multipliers

  • Earn 12x at Hilton properties worldwide.
  • Earn 6x bonus points on select business and travel categories in the US: gas stations, wireless telephone services, shipping, restaurants, flights booked directly, and car rentals booked directly.
  • Earn 3x Hilton points on all other eligible purchases.

Earns bonus points for spend in the following bonus categories:

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

12x
Hotels

Estimated Rewards Value: 6%

6x
Airfare

Estimated Rewards Value: 3%

6x
Car Rentals

Estimated Rewards Value: 3%

6x
Gas Stations

Estimated Rewards Value: 3%

6x
Cellular Phone Service

Estimated Rewards Value: 3%

6x
Dining Out / Food Delivery

Estimated Rewards Value: 3%

6x
Shipping

Estimated Rewards Value: 3%

3x
Everything Else

Estimated Rewards Value: 1.5%

Key features

1

Unique Card Benefits

You’ll earn a Free Night Reward, good at almost any Hilton family property, when you spend $15,000 and a second Free Night award when you spend $60,0000 in a calendar year.

We value a Free Night Reward at $250 easily, and they can be used at hotels and resorts topping $1,000 a night. The only requirement is that the hotel has a “Standard Reward” available for the night you would like to redeem it. You can track your earned Free Night Reward certificates online, though you currently must call to book the night.

2

Grants Hotel Status

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.

3

Airport Lounge Access

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.

4

Trip Protections

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.

5

Secondary Car Rental CDW Waiver

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.

6

Extended Warranty

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.

7

Purchase Protection

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.

8

Does Not Report Credit Line to Personal Credit Profile

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.

9

No Foreign Transaction Fees

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

10

No Fees for Authorized Users

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

11

Amex Offers

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.

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Pros & cons

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • Comes with 10 Priority Pass airport lounge visits annually
  • Includes mid-tier Hilton Gold status, a way to spend to Diamond status, and you can spend your way to up to two free nights at any Hilton property in the world.
  • The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
  • Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed.
  • The 10 Priority Pass visits that come with the Hilton Honors American Express Business Card are not valid at airport restaurants that otherwise participate in the Priority Pass program as all Priority Passes offered by American Express exclude this benefit.

The Hilton Honors American Express Business Card

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Our review

With a relatively low $95 annual fee, 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 and 3% back on select business and travel categories in the US: gas stations, wireless telephone service, shipping, restaurants, flights booked directly, and car rentals booked direct. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

Hilton Business Credit Card

Hilton Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. Many sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

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

Frequently asked questions

1

Does The Hilton Honors Business Card get you into airport lounges?

Yes, it comes with 10 Priority Pass lounge visits each calendar year.

2

Is it hard to get the The Hilton Honors American Express Business Card?

You’ll need at least a “Good” credit score, meaning a 670+ FICO score

3

Is it worth getting The Hilton Honors American Express Business Card?

If you frequently stay at Hilton portfolio hotels for business trips, then this card is worth it for the 12X points you’ll earn on Hilton portfolio spend alone. You’ll additionally get Gold status and a way to spend your way to as many as two Free Night Rewards, valid at just about any Hilton portfolio hotel anywhere in the world.

4

How do I get 12X points with the The Hilton Honors American Express Business Card?

You will earn 12X Hilton Honors points when you pay for your room and folio charges directly with the hotel (or prepaid via Hilton.com or the Hilton app).

5

How do I get 6X points with the The Hilton Honors American Express Business Card?

You will earn 6x points on select business and travel categories in the US: gas stations, wireless telephone services, shipping, restaurants, flights booked directly, and car rentals booked directly.

6

Is there a better business credit card than The Hilton Honors American Express Business Card?

While it’s a good card, we generally recommend cards that give you transferable bank points, where you can transfer into airline or hotel programs later at your choice. An example for the same annual fee is the Chase Ink Business Preferred. However, that card won’t come with Hilton Gold status.

7

Does The Hilton Honors American Express Business Card charge foreign transaction fees?

No, The Hilton business card doesn’t charge foreign transaction fees.

8

Does the The Hilton Business card have car rental coverage?

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.

9

Does the Hilton Honors Business Card come with Hilton Elite Status?

Yes, the Hilton business credit card confers Gold status automatically, while you can spend your way to Diamond status with $40,000 in eligible spend in one calendar year.

10

Does the The Hilton Honors American Express Business Card offer extended warranty?

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.

11

What credit score do I need to get a Hilton Honors American Express Business Card?

You’ll need at least a “Good” credit score, meaning a 670+ FICO score

12

What can I do with the points earned for spending on the Hilton Honors American Express Business Card

You will be able to redeem these points for free nights in the Hilton portfolio of hotels and resorts around the world.

13

Does The Hilton Honors American Express Business Card have Cell Phone Protection?

No, The Hilton Honors Business credit card does not offer any cell phone protection benefits.

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