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The Hilton Honors American Express Business Card review

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A card for business owners loyal to the Hilton hotels and resorts.

  • Get this card if you often stay at Hilton hotels and resorts.
  • Pick something else if you want travel rewards, cash back or an intro APR on purchases and balance transfers.
  • Apply with good to excellent credit.

125,000

Points as welcome offer

Up to 12x

Points

$95

Annual fee

17.74% to 26.74%

Purchase APR (variable)

Details

Product NameThe Hilton Honors American Express Business Card
Card typeAmerican Express
Annual fee$95
Purchase APR17.74% to 26.74% variable
Balance transfer APRN/A
Cash advance rate27.24% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$0
Rates & feesrates & fees

The basics

If you’re a business owner who enjoys the Hilton Hotels & Resorts brand, The Hilton Honors American Express Business Card could be a good choice. With this card, you’re automatically enrolled as a Hilton Honors Gold member, which comes with room upgrades, continental breakfast and a complimentary fifth night on standard room reservations of five nights or more.

You’ll also earn more Hilton Honors points during your stay and get 10 complimentary visits to more than 1,200 Priority Pass Select airport lounges a year. But you don’t get an intro APR period and you’ll have to pay an annual fee for the card.

How much are Hilton Honors points worth?

The value of Hilton Honors points varies depending on the service or product you wish to redeem them for. Generally, you’ll find that five Hilton Honors points are equal to about 1 cent. For the highest redemption value, however, apply them to accommodations within the Hilton Hotels & Resorts brand starting at 5,000 points a night — a $50 value, or 1 cent per point.

Card benefits

  • Welcome offer.
    Spend $3,000 on purchases in the first 3 months your account is open to earn 125,000 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. Earn 6 points per dollar on business purchases and travel purchases in select categories, and 3 points per dollar on all other purchases.
  • 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, 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.

Compare business credit cards

If a Hilton business credit card doesn’t seem like a good option for you, compare other business credit cards.

Updated September 17th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
2x miles on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.

Compare up to 4 providers

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

  1. Click apply now.
  2. Complete the application form with required information about your business and the primary cardholder.
  3. Review your application and submit it.

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.

Frequently asked questions

Images: AmericanExpress.com

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