The Hilton Honors American Express Business Card – Full Review [2025]

Great Card If

• You’re a frequent business traveler
• Hilton is your hotel chain of choice
• You want automatic Hilton Honors Gold Status

Don’t Get If

• You don’t travel often or don’t often visit Hilton hotels
• You do not want a card that charges an annual fee

Hilton Business Amex Card — Is It Worth It?

If you’re a business traveler who spends a decent number of nights in Hilton hotels each year, then the Hilton Business Amex card would almost certainly be worth it to you.

When you consider that it will help you earn significantly more points on your stays and help you get more value out of each stay thanks to your Hilton Honors Gold status, it’s easy to see why this card could be well worth the annual fee.

Additionally, the more you use the card each year, the more rewarding it becomes — it allows you to spend your way to top-tier Hilton Honors Diamond status.

Hilton Business Amex Card Top Benefits

Hilton Honors Gold Status

Those who regularly stay at Hilton hotels will love that the Hilton Business Amex card comes with automatic Hilton Honors Gold status. Ordinarily, you’d need to spend 40 nights a year in Hilton hotels to qualify for this status level, which comes with the following benefits:

• 80% bonus points earned from stays, giving you 18x points per $1 on stays, plus 12x points per $1 for paying with your card, for a total of 30x points per night — a 15% return on your Hilton stays based on our valuation of Hilton Honors points
• Complimentary room upgrades, up to executive level, if available (excludes suites)
• Complimentary breakfast at international hotels and a $10 to $25 food and beverage credit at U.S. hotels
• Late checkout (if available)

Spend Your Way to Diamond Status

When you spend $40,000 on your card in a calendar year, you’ll be upgraded to top-tier Hilton Honors Diamond status, without needing to meet the 60 qualifying night requirement.

With Hilton Diamond, you’ll receive all of the perks of Hilton Gold status, plus a 100% bonus on stays, access to executive lounges at eligible properties, and suite upgrades (if available).

Enjoy Complimentary National Car Rental^® Emerald Club Executive^® Status

Some of these benefits include guaranteed upgrades, access to “Executive Area” cars in the U.S. and Canada, and no second driver fees (which is pretty nice, in our opinion).

Card Protections

The Hilton Business Amex card also offers a handful of protections to keep you covered if things go wrong, including:

• Baggage Insurance: When you purchase a flight with your card, and your baggage is lost, damaged, or stolen, you’ll receive coverage for up to $1,250 for carry-on baggage, and up to $500 for checked baggage.
• Rental Car Insurance: Those who purchase a rental car with their card will receive secondary rental car coverage towards damage or theft of the vehicle. Keep in mind that it will only kick in after your primary auto insurance.
• Purchase Protection: Purchasing an item with your card keeps you covered for 90 days if the item is accidentally damaged or stolen. The coverage is limited to $1,000 per occurrence and up to $50,000 per calendar year.
•  Extended Warranty Coverage: When you purchase an item that comes with an extended warranty of 5 years or less, the warranty coverage will automatically be extended by 1 additional year.

Best Ways To Earn and Redeem Your Hilton Honors Points

You may think that the only way to earn Hilton Honors points is by staying at Hilton hotels or using your Hilton Business Amex card for purchases, but that’s actually not true — there are many great ways for you to earn lots of Hilton Honors points!

Once you’ve built up a large balance of points from all of your business trips, next comes the fun part: redeeming them on an awesome trip! Our guide reviews some of our favorite ways to redeem Hilton Honors points, so you can make sure you’re getting excellent value on your next vacation.

Alternative Cards to the Hilton Business Amex Card

World of Hyatt Business Credit Card

If you prefer Hyatt hotels to Hilton hotels, the World of Hyatt Business card would be a much better option for you.

Terms Apply / Rates & Fees

World of Hyatt Business Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Apply Now(at Chase's secure site)

World of Hyatt Business Credit Card

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Welcome Offer

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

60,000 points

UP's Offer Valuation*:

Up to $900

Annual Fee

$199

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros & Cons

Pros

• Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
• 2x points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
• 2x points per $1 spent on fitness club and gym memberships.

Cons

• $199 annual fee
• Bonus categories and benefits are very similar to the personal card

Read Full Review

Card Highlights

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
• Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

Not only will you earn up to 9x points total on Hyatt stays with the card, but you’ll also receive automatic Discoverist status, and access to the Hyatt Leverage Business program.

Plus, you’ll receive 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year and 10% back on redeemed points after spending $50,000 in a calendar year.

Ink Business Preferred^® Credit Card

If you’re looking for an all-around option, especially one that earns transferable rewards, at the same annual fee, then the Ink Business Preferred card might be the perfect option.

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.

90,000 points

UP's Offer Valuation*:

$1,800

Annual Fee

$95

APR

20.24% - 26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 20.24% - 26.24% Variable
• Foreign Transaction Fees: $0

Rewards Center

Chase Ultimate Rewards

This card earns 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites. It comes with great travel protections, cell phone insurance, and the points you earn can be transferred to any of Chase’s airline or hotel partners for amazing value.