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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 $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Terms apply.

💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd

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. It earns 5X on all other eligible purchases up to $100,000 per calendar year, then 3X.

Annual Fee:

$195 (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%

Until June 30, 2024: 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.

From July 1, 2024: The above bonus categories will no longer be a feature of this Card.

Reward multipliers

  • Earn 12X for purchases made directly with a hotel or resort in the Hilton portfolio
  • 5X on all other eligible purchases on the first $100,000 in purchases per calendar year, 3X Points thereafter

Earns bonus points for spend in the following bonus categories:

5x
Dining Out / Food Delivery

Estimated Rewards Value: 2.5%

5x
Groceries

Estimated Rewards Value: 2.5%

5x
Airfare

Estimated Rewards Value: 2.5%

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

5x
Hotels

Estimated Rewards Value: 2.5%

5x
Car Rentals

Estimated Rewards Value: 2.5%

5x
EV Charging

Estimated Rewards Value: 2.5%

5x
Gas Stations

Estimated Rewards Value: 2.5%

5x
Cruises

Estimated Rewards Value: 2.5%

5x
Transit

Estimated Rewards Value: 2.5%

5x
Drugstores

Estimated Rewards Value: 2.5%

5x
Cable / Internet / VOIP Phone

Estimated Rewards Value: 2.5%

5x
Cellular Phone Service

Estimated Rewards Value: 2.5%

5x
Office Supplies

Estimated Rewards Value: 2.5%

5x
Rent

Estimated Rewards Value: 2.5%

5x
Streaming Services

Estimated Rewards Value: 2.5%

5x
Advertising (Online / TV / Radio)

Estimated Rewards Value: 2.5%

5x
Gym Memberships

Estimated Rewards Value: 2.5%

5x
U.S. Electronic Goods Retailers / Software / Cloud System Providers

Estimated Rewards Value: 2.5%

5x
Construction Materials / Hardware Supplies

Estimated Rewards Value: 2.5%

5x
Online Retail Shopping

Estimated Rewards Value: 2.5%

5x
Amazon / Whole Foods

Estimated Rewards Value: 2.5%

5x
Entertainment (Concerts / Shows / Movies)

Estimated Rewards Value: 2.5%

5x
Costco

Estimated Rewards Value: 2.5%

5x
Shipping

Estimated Rewards Value: 2.5%

5x
Advertising on Search Engines and Social Media

Estimated Rewards Value: 2.5%

5x
Lyft

Estimated Rewards Value: 2.5%

5x
Single Charges over $5,000

Estimated Rewards Value: 2.5%

5x
Everything Else

Estimated Rewards Value: 2.5%

Key features

1

Unique Card Benefits

A number of Card benefits changed on March 28, 2024. Please be aware of the following changes:

  • Bonus Spend Categories are no longer available
  • Priority Pass lounge access is no longer available to new cardmembers
  • Free Night Awards can no longer be earned for $15,000 and $45,000 in spend.

2

Annual Statement Credits

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. That’s up to $240 in statement credits annually. Terms Apply.

3

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 ($550 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.

4

Grants Car Rental Status

As a Cardmember, you’ll enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.

5

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.

6

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.

7

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.

8

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.

9

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.

10

No Foreign Transaction Fees

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

11

No Fees for Authorized Users

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

12

Metal Card

Cards issued from March 28, 2024 will be metal.

13

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.

Earn more rewards by combining credit cards

The Hilton Honors American Express Business Card
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Pros & cons

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • You'll get up to $60 in statement credits each quarter at Hilton family hotels
  • 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 card no longer includes Priority Pass lounge access or the ability to earn Free Night Reward certificates

The Hilton Honors American Express Business Card

Learn How To Apply Rates and fees

Our 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

Frequently asked questions

1

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

Following changes in March 2024, it will not.

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 up to $240 in annual statement credits from stays at Hilton family hotels and resorts.

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 no longer do!

Now earn 5X on all eligible purchases on your first $100,000 each year, then 3X. There are no longer any bonus categories on the Hilton Business credit card.

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.