Home › Credit Cards › Reviews

The Hilton Honors American Express Business Card – Full Review [2023]

Name: The Hilton Honors American Express Business Card – Full Review [2023]
Item: The Hilton Honors American Express Business Card
Rating: 4.26
Author: Jarrod West

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertiser Disclosure for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

U.P. Rating ? The rating for this card has been determined by our own industry experts who are immersed in the credit card world. Please see our card rating methodology for more information. 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.

"Hilton points and travel perks for business owners"

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Learn More (at Amex's secure site)

Jarrod West

- Updated: May 21, 2023, 11:23pm CDT

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros

12x points per $1 on Hilton purchases
6x points per $1 at U.S. gas stations, on wireless telephone services purchases directly from U.S. service providers, and on U.S. purchases for shipping
6x points per $1 at U.S. restaurants, on flights booked directly with airlines or with Amex Travel, and on car rentals booked directly from select car rental companies
3x points per $1 on all other purchases
Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
10 complimentary Priority Pass visits
Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after you spend $60,000
No foreign transaction fees (rates and fees)

Cons

$95 annual fee (rates and fees)

Hilton Business Amex Card — Snapshot

Welcome Bonus & Info (Partner Content)
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Card Categories:
Rewards Center
Hilton Honors loyalty program
Customer Service Number
800‑954‑0559
Login Link
https://www.americanexpress.com
Related Articles

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 Card — Fees

Annual Fee
- $95
Foreign Transaction Fees
None
Interest Rates
- 20.74% - 29.74% Variable
Late fees
- Up to $39
- Penalty APR: 29.99% Variable
Cash Advance APR
- 29.99% Variable
- Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
Additional Info
Rates and Fees

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 and additional Free Weekend Night Reward certificates.

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).

Complimentary Priority Pass Visits

Most travel credit cards with Priority Pass lounge access come with an annual fee of $400 to $700, but the Hilton Business Amex card offers it for just $95 per year.

While more premium cards allow you to visit an unlimited number of times, and the Hilton Business Amex card limits you to just 10 visits per year, but that may be plenty depending on your travel patterns.

If you aren’t already familiar, Priority Pass offers 1,300+ lounges in airports all across the world, so you’ll almost always have access to a lounge no matter where your travels take you.

Spend Your Way to Free Weekend Night Reward Certificates

Another great benefit for big spenders is the ability to spend your way to Free Weekend Night Reward Certificates with the card.

You’ll earn 1 Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after spending $60,000 in a calendar year.

These Free Weekend Night Rewards can then be redeemed at nearly any Hilton hotel worldwide, as long as it is on a Friday, Saturday, or Sunday (though Hilton expanded eligibility to any night of the week as a result of the COVID-19 pandemic). This includes some of Hilton’s very best properties in the world that can cost north of $1,000 per night.

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.

Not only will you earn 9x points per $1 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.

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.

For rates and fees of The Hilton Honors American Express Business Card, click here.

Featured Image Credit: American Express

Frequently asked questions

What is the annual fee on the Hilton Business Amex card?

The annual fee is $95.

Is the Hilton Business Amex card worth it?

If you're a business traveler who spends at least a handful of nights on the road each year, you stay at Hilton hotels often enough to use your Hilton Gold status, and can use other perks like the 10 Priority Pass visits, this card would be worth it to you.

Can a Hilton Business Amex card be used for a Hilton reservation?

Yes, absolutely it can. In fact, you should be using your Hilton Business Amex card for all of your Hilton stays as it will earn you 12x points per $1 when you use it to pay for your stay.

These points are on top of the 18x points per $1 you'll earn for having Hilton Gold status for a total of 30x points per $1 on all of your Hilton stays.

Is the Hilton Business Amex card a Visa, Mastercard, or American Express?

The Hilton Business Amex card is an American Express card, and can be used anywhere in the world where American Express is accepted.

How do you earn a free night with the Hilton Business Amex card?

Unlike some other hotel cards, the Hilton Business Amex card does not offer a free night certificate as an automatic benefit of holding the card.

However, you can earn 1 Free Night Reward by spending $15,000 on the card in a calendar year, and a second Free Night Reward by spending $60,000 on the card in a calendar year.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

Earn Points

Use Points

Business Credit Card Reviews

Business Guides

Air Travel Guides

Airline Points

Earn & Use Hotel Points

Hotel Loyalty Program Reviews

The Hilton Honors American Express Business Card – Full Review [2023]

Pros

Cons

Hilton Business Amex Card — Snapshot

Great Card If

Don't Get If

Hilton Business Card — Fees

Hilton Business Amex card - Is It Worth It?

Hilton Business Amex Card Top Benefits

Best Ways To Earn and Redeem Your Hilton Honors Points

Alternative Cards to the Hilton Business Amex Card

Frequently asked questions

What is the annual fee on the Hilton Business Amex card?

Is the Hilton Business Amex card worth it?

Can a Hilton Business Amex card be used for a Hilton reservation?

Is the Hilton Business Amex card a Visa, Mastercard, or American Express?

How do you earn a free night with the Hilton Business Amex card?

About Jarrod West

Any thoughts or questions? Comment below! Cancel reply

Advertiser Disclosure

Pros

Cons

Hilton Business Amex Card — Snapshot

Great Card If

Don't Get If

Hilton Business Card — Fees

Hilton Business Amex card - Is It Worth It?

Hilton Business Amex Card Top Benefits

Best Ways To Earn and Redeem Your Hilton Honors Points

Alternative Cards to the Hilton Business Amex Card

Frequently asked questions

What is the annual fee on the Hilton Business Amex card?

Is the Hilton Business Amex card worth it?

Can a Hilton Business Amex card be used for a Hilton reservation?

Is the Hilton Business Amex card a Visa, Mastercard, or American Express?

How do you earn a free night with the Hilton Business Amex card?

About Jarrod West

Any thoughts or questions? Comment below! Cancel reply

Related Articles

Advertiser Disclosure