Amex Hilton Business card overview: Earn 130,000 points and a free night award with perks like elite status and airport lounge access

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The Hilton Honors American Express Business Card is value considering within the occasion you are a Hilton loyalist and are eligible for a small-business credit card. It comes with a excellent welcome bonus provide, good incomes lessons, and worthwhile benefits, with a very manageable annual cost. 

Review: Is the Hilton Business Credit Card the proper card for you?

There are solely a handful of hotel credit cards within the market which might be geared in direction of small-business owners, nevertheless within the occasion you are searching for to earn Hilton points, you’re in luck.

The Hilton Honors American Express Business Card is a excellent choice — and it comes with an elevated welcome bonus provide: The Hilton Honors American Express Business Card. The points alone are value The Hilton Honors American Express Business Card based on Insider’s valuations, and you can redeem the free night award at nearly any Hilton resort worldwide — even the most expensive resorts that value 150,000 points per night.

The Hilton Honors American Express Business Card is one amongst 4 co-branded Hilton credit cards issued by Amex, and the alternative three —  Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, and Hilton Honors American Express Aspire Card — are moreover steady picks.

But within the occasion you’ll be able to qualify for a small-business credit card, The Hilton Honors American Express Business Card affords a hard-to-beat combo of a common The Hilton Honors American Express Business Card annual cost and top-notch incomes and perks.

In reality, it’s obtained the broadest range of bonus spending lessons of any Hilton card, and comes with as a lot as two additional free night certificates yearly within the occasion you meet spending thresholds. Cardholders moreover get hold of automated Hilton Gold elite status, and compelling benefits like airport lounge access.

Keep in ideas you don’t basically need a Hilton-branded credit score rating card to earn Hilton points. Hilton Honors is an American Express Membership Rewards companion, which means you can transfer Amex points to Hilton at a 1:2 ratio from enjoying playing cards like The Platinum Card® from American Express, American Express® Gold Card, or The Blue Business® Plus Credit Card from American Express.

We’re centered proper right here on the rewards and perks that come with each card. These enjoying playing cards won’t be value it within the occasion you are paying curiosity or late fees. When using a credit score rating card, it’s essential to pay your steadiness in full each month, make funds on time, and solely spend what you can afford to pay.

How to earn points with the Hilton Honors Business card

The Hilton Honors American Express Business Card is a heavy hitter referring to incomes points, offering bonus rewards in a broad range of lessons — not merely at Hilton lodging.

Cardholders earn points on the next fees:

  • 12x points on purchases made immediately with lodging and resorts throughout the Hilton portfolio 
  • 6x points on select enterprise purchases: U.S. gas stations, wi-fi cellphone suppliers purchases immediately from U.S. service suppliers, and on U.S purchases for supply
  • 6x points on select journey purchases: U.S. restaurants, flights booked immediately with airways or Amex Travel, and vehicle leases booked with select vehicle rental corporations

Keep in ideas the 12x points at eligible Hilton lodging are alongside with the points you’d normally earn from staying with Hilton (10x points at most Hilton producers moreover Home2Suites and Tru by Hilton, which earn 5x). And as a results of the card comes with automated Hilton Gold elite status, chances are you’ll earn 80% bonus points on paid stays (18 points per buck at most Hilton properties).

All instructed, between the points chances are you’ll earn from the card, widespread points incomes at Hilton lodging, and the Hilton Gold elite bonus, chances are you’ll earn 30 points per buck as soon as you utilize the card to pay for a lot of Hilton resort stays.

How to utilize Hilton points

You’ve obtained a number of decisions for redeeming Hilton points, nevertheless chances are you’ll usually get most likely essentially the most value by using points for award nights at Hilton lodging. 

Hilton wouldn’t have an official award chart, and the number of points required varies at explicit individual lodging based on demand and season. The least costly Hilton lodging start at 5,000 points per night and (with a few exceptions that go as a lot as 150,000 points) prime out at 95,000 points per night.

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You can stretch your points for additional nights by combining points and money for award stays, or by benefiting from Hilton’s fifth-night free revenue for elite members. This perk means that you could information 5 consecutive regular award nights and efficiently get a 20% low value on the points required.

Because The Hilton Honors American Express Business Card (and all completely different Hilton co-brand enjoying playing cards) provide automated elite status, you’ll not have to stress about meeting maintain requirements to earn elite status to unlock the fifth-night free revenue.

Other strategies to utilize Hilton points embody cashing them in for Amazon purchases, redeeming them for experiences, or shopping for and promoting them in for airline miles, Lyft rides, merchandise, and charity donations. You’ll typically get hold of a lower value in your points when you redeem this vogue.

Benefits and choices

The Hilton Honors American Express Business Card comes with a massive collection of perks that will make your travels additional comfortable and assist you get financial financial savings.

Free night award certificates

When you spend $15,000 or additional on eligible purchases in a calendar yr with the card, you can get hold of a free night certificate, and one different within the occasion you spend a full of $60,000 with your card in a calendar yr. These certificates are respectable at nearly any Hilton resort, with exceptions listed here.

Hilton free nights awarded for meeting spending thresholds used to solely be respectable Friday, Saturday, or Sunday nights, nevertheless Hilton has now made them additional versatile by allowing members to redeem them any day of the week.

Automatic Hilton Gold elite status

Cardholders get hold of Hilton Gold status as long as their card is open and in good standing. Hilton’s mid-level elite tier comes with surprisingly good benefits, collectively with:

  • Free continental breakfast (presently awarded as a meals and beverage credit score rating at US lodging)
  • Room upgrades when on the market
  • Fifth night free on award stays of 5 nights or additional
  • 80% points bonus on paid stays
  • Free bottled water 
  • Elite rollover nights

If you spend $40,000 or additional on eligible purchases in a calendar yr with The Hilton Honors American Express Business Card, chances are you’ll get upgraded to Hilton Diamond elite status by the highest of the subsequent calendar yr. Hilton Diamond status is rather more worthwhile — it comes with all some great benefits of Hilton Gold status, plus a 100% points bonus on paid stays, greater upgrades, authorities lounge access, and premium Wi-Fi.

Priority Pass airport lounge access

When you could have The Hilton Honors American Express Business Card, you can enroll in a complimentary Priority Pass Select airport lounge membership**, with 10 free visits included per yr. While completely different, additional premium credit cards provide a membership with limitless visits, chances are you’ll usually ought to pay a a lot elevated annual cost — so that’s a good chance within the occasion you solely journey a few situations a yr.

Car rental insurance coverage protection

When you pay in your vehicle rental with The Hilton Honors American Express Business Card and decline the collision hurt waiver on the rental counter, chances are you’ll get secondary safety for hurt to or theft of the automotive. Some worldwide places and automotive types are excluded, so be sure to be taught the phrases and circumstances sooner than you rent and observe that obligation insurance coverage protection shouldn’t be included.

Secondary vehicle rental insurance coverage protection will solely cowl portions left over after your main (non-public) vehicle insurance coverage protection pays out. Some financial institution playing cards, like the Chase Sapphire Preferred® Card, provide primary car rental insurance, which doesn’t require you to file a declare with your non-public protection to get reimbursed.

Baggage insurance coverage protection plan

If you pay for a lined journey with The Hilton Honors American Express Business Card, you may be covered for baggage loss or damage, as a lot as $500 per particular person for checked baggage, and $1,250 per particular person for carry-on baggage.

There are exclusions for high-risk devices and some states have completely completely different limits, so check the phrases and circumstances for explicit particulars.

Purchase security

When you pay for an eligible merchandise with The Hilton Honors American Express Business Card, purchase security can cowl theft or hurt that occurs inside 90 days of purchase, as a lot as a most of $1,000 per incidence and $50,000 per account per calendar yr.

Extended assure

The Hilton Honors American Express Business Card comes with as a lot as one additional yr of extended assure safety for eligible new purchases throughout the US or its territories, on producer’s warranties of 5 years or a lot much less. 

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Global Assist Hotline

The Hilton Honors American Express Business Card moreover affords access Amex’s Global Assist Hotline to cardholders as soon as they’re touring 100 or additional miles from home.

This service can current help with points like translation suppliers, missing baggage, emergency licensed and medical referrals, and misplaced passports, nevertheless chances are you’ll be accountable for any third-party costs.

Fees and costs

The Hilton Honors American Express Business Card has an annual cost of The Hilton Honors American Express Business Card, nevertheless you can merely make up for it (and then some) by profiting from the card’s benefits. 

It’s a large choice to take with you within the occasion you are touring internationally as a results of it doesn’t charge foreign transaction fees. However, like most enjoying playing cards, there are fees for late funds, returned funds, and cash advances.

Comparison: American Express Hilton Business card vs completely different Hilton enjoying playing cards

 

The Hilton Honors American Express Business Card

Hilton Honors American Express Card

Hilton Honors American Express Surpass® Card

Annual cost

The Hilton Honors American Express Business Card

Hilton Honors American Express Card

$95

Rewards cost

12 points per buck spent on eligible purchases at Hilton lodging

6 points per buck spent on select enterprise purchases: U.S. gas stations, wi-fi cellphone suppliers purchases immediately from U.S. service suppliers, and U.S purchases for supply

6 points per buck spent on select journey purchases: U.S. consuming locations, flights booked immediately with airways or Amex Travel, and vehicle leases booked with select vehicle rental corporations

3 points per buck on all completely different eligible purchases

7 points per buck spent on eligible purchases at Hilton lodging

5 points per buck spent at eligible U.S. consuming locations, U.S. supermarkets, and U.S. gas stations

3 points per buck on all completely different eligible purchases

12 points per buck spent on eligible purchases at Hilton lodging

6 points per buck spent at eligible U.S. consuming locations, U.S. supermarkets, and U.S. gas stations

3 points per buck on all completely different eligible purchases

Welcome bonus provide

The Hilton Honors American Express Business Card

Hilton Honors American Express Card

Hilton Honors American Express Surpass® Card

Travel benefits

Hilton Gold elite status

Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar yr

Free night certificates after you spend $15,000 on eligible purchases in a calendar yr

A second free night award within the occasion you spend a full of $60,000 or additional in a calendar yr

Priority Pass Select airport lounge membership** with 10 free visits per yr

 

 

 

Hilton Silver elite status

Upgrade to Gold status after you spend $20,000 on eligible purchases in a calendar yr

 

 

Hilton Gold elite status

Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar yr

Free night certificates after you spend $15,000 on eligible purchases in a calendar yr

Priority Pass Select airport lounge membership** with 10 free visits per yr

Other card benefits

Secondary vehicle rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by Amex Offers**

No worldwide transaction fees

Secondary vehicle rental insurance coverage protection

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by Amex Offers

No worldwide transaction fees

Secondary vehicle rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by Amex Offers

No worldwide transaction fees

Learn additional

 

Hilton Honors American Express card review

Hilton Honors American Express Surpass card review

Amex Hilton Business vs completely different small-business resort financial institution playing cards

 

The Hilton Honors American Express Business Card

Marriott Bonvoy Business™ American Express® Card

World of Hyatt Business Credit Card

Annual cost

The Hilton Honors American Express Business Card

Marriott Bonvoy Business™ American Express® Card

World of Hyatt Business Credit Card

Rewards cost

12 points per buck spent on eligible purchases at Hilton lodging

6 points per buck spent at U.S. gas stations, wi-fi cellphone suppliers purchases immediately from U.S. service suppliers, and on U.S purchases for supply

6 points per buck spent at U.S. consuming locations, flights booked immediately with airways or Amex Travel, and vehicle leases booked with select vehicle rental corporations

3 points per buck on all completely different eligible purchases

6 points per buck on eligible purchases at lodging collaborating throughout the Marriott Bonvoy® program

4 points per buck on eligible purchases at consuming locations worldwide, U.S. gas stations, wi-fi cellphone suppliers purchased immediately from U.S. service suppliers, and on U.S. supply purchases

2 points per buck on all completely different eligible purchases

4x points at Hyatt lodging

2x points in your prime three spend lessons each quarter (from a itemizing) by 12/31/23, then your prime two lessons each quarter

2x points on well being membership and gymnasium memberships 

1 stage per buck on all completely different purchases

Welcome bonus provide

The Hilton Honors American Express Business Card

Marriott Bonvoy Business™ American Express® Card

World of Hyatt Business Credit Card

Travel benefits

Hilton Gold elite status

Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar yr

Free night certificates after you spend $15,000 on eligible purchases in a calendar yr

A second free night award within the occasion you spend a full of $60,000 or additional in a calendar yr

Priority Pass Select airport lounge membership** with 10 free visits per yr

Marriott Bonvoy Gold elite status

Annual free night award*

A second free night award within the occasion you spend $60,000 or additional in a calendar yr*

15 elite night credit score each calendar yr

Automatic Hyatt Discoverist elite status

Gift Discoverist status to as a lot as 5 agency workers

5 Tier-Qualifying night credit score in direction of status and Milestone rewards for every $10,000 you spend in a calendar yr

Up to $100 in Hyatt assertion credit score per yr

10% redemption rebate after you spend $50,000 in a calendar yr

Hyatt Leverage program membership

 

Other card benefits

Secondary vehicle rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by Amex Offers

No worldwide transaction fees

Secondary vehicle rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by Amex Offers

No worldwide transaction fees

Secondary vehicle rental insurance coverage protection

Trip cancellation/interruption insurance coverage protection

Extended assure

Purchase security

Travel and emergency assist suppliers

Roadside dispatch

No worldwide transaction fees

Review

 

Marriott Bonvoy Business American Express card review

World of Hyatt Business card review 

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*The Marriott Bonvoy Business™ American Express® Card affords an annual free night award yearly after your card renewal month for lodging collaborating throughout the Marriott Bonvoy® program that value as a lot as 35,000 points

Hilton Honors American Express Business credit score rating card incessantly requested questions (FAQ)

Is the Hilton Honors Business card value it?

Even within the occasion you don’t keep with Hilton sometimes, The Hilton Honors American Express Business Card is value it for the benefits it affords, which can better than offset the annual cost — notably considering the massive welcome bonus provide throughout the first yr. Other perks like Hilton Gold status and Priority Pass airport lounge access can translate into very important monetary financial savings as properly.

However, within the occasion you utterly don’t want to pay an annual cost, there’s one other alternative. The no-annual-fee Hilton Honors American Express Card moreover affords a substantial welcome bonus provide. Although it isn’t packed with benefits, it’s nonetheless a good select within the occasion you are an uncommon traveler.

What credit score rating ranking would you like for the Amex Hilton Business card?

Usually, of us who’re permitted for The Hilton Honors American Express Business Card have a good to excellent credit score, which means a FICO score of a minimal of 670.

If your credit score rating shouldn’t be pretty there however, be taught our guides on increasing your credit score and how using credit cards can help boost your score.

Can you add permitted clients to the Hilton Honors Business card? 

You can add as a lot as 99 permitted client enjoying playing cards to your account, and you can even set spending limits in your workers in order for you. Any points earned from their spending will possible be credited to the primary cardholder’s Hilton account and rely in direction of meeting spending thresholds for elevated elite status and free night certificates.

Keep in ideas chances are you’ll be accountable for any purchases made by your permitted clients. Authorized clients/employee enjoying playing cards do not get hold of additional benefits like Hilton Gold status or Priority Pass Select membership.

Who is eligible for the Amex Hilton Honors Business card?

 The Hilton Honors American Express Business Card is a small-business card, which means you could have to have a enterprise to qualify. That said, you aren’t required to have a formal enterprise building or LLC — within the occasion you do freelance work or have a side gig, you could be eligible for a small-business card. You don’t need an EIN, each — it’s attainable to make use of as a sole proprietor using your Social Security Number.

If you already have The Hilton Honors American Express Business Card, you’ll not be succesful to open one different one. Amex moreover has a one bonus, per particular person, per lifetime rule, so within the occasion you have already acquired the bonus on The Hilton Honors American Express Business Card before now, you aren’t eligible to acquire it as soon as extra.

It is possible to have a couple of form of Hilton card open at a time. So, for example, if you already have the Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, or Hilton Honors American Express Aspire Card, you’re nonetheless eligible for The Hilton Honors American Express Business Card.

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