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The Hilton Honors American Express Business Card review

The only Hilton business credit card with 12x points on Hilton purchases.

finder.com’s rating: 4.8 / 5

★★★★★

  • Get this card if you often stay at Hilton hotels and resorts.
  • Pick something else if you want to earn and redeem rewards on a variety of hotel brands.
  • Apply with good to excellent credit.
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130,000

Points as welcome offer

Up to 12x

Points

$95

Annual fee

17.24% to 26.24%

Purchase APR (variable)

Details

Annual fee$95
Welcome offerLimited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
RewardsEarn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
Purchase APR17.24% to 26.24% variable
Balance transfer APRN/A
Minimum Credit Score670
IssuerAmerican Express
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Review by


Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

Expert review

The Hilton Honors American Express Business Card comes with a $95 annual fee, a generous welcome offer and earns in a variety of point categories, including 6x points on business and travel purchases on select categories, 6x points at US gas stations, US purchases for shipping, wireless telephone services purchased directly from US service providers, flights booked directly with airlines or with Amex Travel, car rentals booked directly from select car rental companies, and US restaurants. You’ll earn 3x points on all other eligible purchases

Being a Hilton card, you get the most benefits at their hotels and resorts, including a massive 12x points on Hilton purchases and an automatic enrollment as a Hilton Honors Gold member. Gold membership comes with room upgrades, continental breakfast and a complimentary fifth night on standard room reservations of five nights or more.

You also get a weekend night award when you meet the spend requirements and you get 10 complimentary visits after enrollment to more than 1,200 Priority Pass Select airport lounges a year. But you don’t get an intro APR period.

How to apply for The Hilton Honors American Express Business Card?

  1. Go to the provider's site and select Apply now.
  2. Complete the application form with required information about your business and the primary cardholder.
  3. Review your application and submit it.

The Hilton Honors American Express Business Card benefits

  • Welcome offer. Spend $3,000 on purchases in the first 3 months your account is open to earn 130,000 Hilton Honors bonus points. Redeem your points for nights at hotels and resorts, concerts, vacation packages, golf rewards, car rentals, airline miles and more.
  • Earn Hilton Honors points. Use your Hilton business credit card at Hilton hotels and resorts to earn a cool 12 points per dollar. You can also earn 6x points at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants. Earn 3x points on all other eligible purchases. Terms and limitations apply.
  • Complimentary Hilton Honors Gold. You’re automatically enrolled as a Hilton Honors Gold member, offering an 80% bonus on base points per stay, room upgrades, your fifth night free on eligible stays, continental breakfast and other perks.
  • Weekend night reward. Spend $15,000 in a year to earn one weekend night in a standard room with double occupancy at select Hilton hotels and resorts. Spend an additional $45,000 in a year, and you get a second weekend reward.
  • 10 Priority Pass visits. Access to more than 1,200 Priority Pass Select airport lounges for 10 visits after enrollment, a savings of $27 per visit.
  • Upgrade to Hilton Honors Diamond. If you spend $40,000 in a year, you’re eligible for an upgrade to Diamond status. Diamond gives you everything in the Gold tier along with executive lounge access, elite status gifting and a 48-hour room guarantee — and your status extends through the end of the following calendar year. You’ll also earn 100% more Hilton Honors points for every dollar you spend on stays.
  • Travel protection. Use your card to pay for your full reservation and you’ll get complimentary accidental death and dismemberment insurance up to $100,000. Other perks include insurance of up to $1,250 for carry-on baggage and up to $500 for checked baggage. And if you rent a car during your travels, you’re insured for car loss and damage.

What to watch out for

  • No intro APR for balance transfers and purchases. You won’t get an intro APR period for your purchases or balance transfers with this Hilton business credit card. This is also the case for most similar travel cards.
  • $95 annual fee. For travelers who often stay within the Hilton Hotels & Resorts brand or love to unwind at Priority Pass Select lounges while traveling, the benefits of this card just might outweigh the annual fee.
  • Steep penalties on late payments. If you find yourself unable to make the minimum payment within 25 days of your statement, you face a variable penalty APR of 29.99%. This is typical of similar rewards cards, however.

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Bottom line

Business owners that prefer the convenience of the more than 5,000 Hilton Hotels & Resorts properties across 100 countries will likely appreciate the travel perks and rewards of The Hilton Honors American Express Business Card.

Choosing the right business card ultimately comes down to what you value most. Compare those offering travel, cash back, no annual fees and more.

How we determined the value of Hilton Honors points

To determine the average value of an Hilton Honors point, we looked at the equivalent dollar value a redemption option would cost in the Hilton Honors Rewards program. We calculated this average across all redemption options available through Hilton to reach the approximate value you can expect when redeeming these points on average. In this case, the average value of a single Hilton Honors Bonus Point came out to 0.5 cents per point.
Remember that your points could be worth more or less depending on what you redeem them on, so this figure should be used as a general guide.

Editorial note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Insurance benefit note: 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.

Images: AmericanExpress.com

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Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

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