The Hilton Honors American Express Business Card Review

The Hilton Honors American Express Business Card is designed for business travelers who like to stay at hotels and resorts within the Hilton portfolio. Cardholders receive a variety of perks and benefits in exchange for keeping an active account – more so than with many other minimum travel credit cards. The rewards are substantial if your purchases fit within specific categories, and the annual rate is quite reasonable.

Keep in mind, the Hilton Honors American Express Business Card is offered directly from American Express. This means that managing your account will need to be done through the issuer directly. While you won’t get the all-in-one experience you would get if you opened a credit card through the same bank as your checking account, American Express offers some of its own advantages. Account holders enjoy stellar customer service and robust account-management tools.

The Essentials of The Hilton Honors American Express Business Card

  • APR: 17.24% – 26.24% variable
  • Annual Fee: $95
  • Primary Feature: Earn 6 Hilton Honors Bonus Points per dollar on select business and travel purchases. Earn 12 Hilton Honors Bonus Points per dollar on Hilton hotel purchases.
  • Introductory Bonus Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

What’s Interesting About The Hilton Honors American Express Business Card

There is a lot to love about The Hilton Honors American Express Business Card, especially for frequent business travelers. For one thing, they get complimentary gold status upon account approval. This status allows them to have a room upgrade anytime space is available and earn a 25% bonus on the base points they earn. Cardholders also earn weekend-night rewards. They receive one Free Weekend Night Reward after spending $15,000 in a calendar year and a second Free Weekend Night Reward after spending $60,000. The Hilton Honors American Express Business Card rewards its account holders with airport lounge access as well. Every cardholder gets ten free visits to Priority Pass airport lounges. Plus, there are no foreign transaction fees.

Best of all, there are rewards. The Hilton Honors American Express Business Card allows cardholders to earn three reward points everywhere else. Terms & Limitations Apply. That amount doubles on select business and travel purchases. These include

  1. U.S. gas stations, and wireless phone and shipping services in the U.S., U.S. restaurants, directly booked flights and car rentals. Moreover, account holders earn 12 points for every dollar they spend at hotels and resorts owned by Hilton.

The Hilton Honors points you earn can be spent at Hilton hotels, redeemed for Hilton event discounts, or used to bid on Hilton Experiences. You may also be able to transfer them to airlines or redeem them for Amazon purchases.

Things to Consider

The Hilton Honors American Express Business Card comes with many rewards, but there are some drawbacks. Take the annual fee, for example. Many credit cards offer comparable rewards without charging an annual fee. You should do the math and see whether the rewards you earn are worth that fee. Also, the interest rate for the Hilton Honors American Express Business Card may be of concern. While the APR does vary based on creditworthiness, it is still somewhat higher than many other credit-card options, especially for well-qualified applicants.

Pay attention to the points structure too. The Hilton Honors American Express Business Card offers impressive rewards when your spending fits into certain categories, but you may find less benefit if your spending often falls outside of those realms. For example, the Hilton Honors American Express Business Card offers 6x rewards for restaurants, but only those in the United States. While the card doesn’t have any foreign-transaction fees, cardholders will only earn the standard 3x points when they pay for dinner at a restaurant outside the US. If someone often spends time outside the United States, that could be an issue.

Furthermore, this credit card is exceptionally focused on travel and the Hilton portfolio of hotels in particular. While someone may often travel now, they may find the card less rewarding if that situation changes.

How to Get the Most from this Card

Getting the most from this credit card requires traveling. From gold status to airport-lounge access, every benefit about this card centers on travel. After all, the points you earn are meant to be spent on Hilton hotels.

Account holders earn the most rewards from staying at Hilton hotels and resorts, so start there to get the most for your card membership. Stay at a Hilton hotel or any of the other properties in their portfolio to earn the most points possible.

Next, keep in mind that only select business and travel purchases are eligible for 6x points; anything else will only earn 3x points. Educate yourself about any conditions and restrictions so you can maximize the rewards you earn.

Finally, consider the weekend-night rewards. To qualify for one night, you just need to spend $15,000 in a calendar year, or you can earn a 2nd free weekend night each year you spend $60,000. It may be worth configuring your spending to reach these thresholds.

Other Card Options that Might Interest You

If The Hilton Honors American Express Business Card sounds appealing to you, but you doubt whether you would benefit as much as some cardholders, American Express has other options available. One possibility is the American Express® Business Gold Card. It lets account holders get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. There is a $295 annual fee, but the APR is lower than the Hilton Honors American Express Business Card.

You may also consider the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. It does not have an annual fee, and the interest rate is similar to the Hilton Honors American Express Business Card. This card offers 1.5 points for every dollar you spend.

The Final Word

The Hilton Honors American Express Business Card offers a variety of perks that frequent travelers may love. It lets you earn bonus points on stays at Hilton hotels as well as U.S. gas stations, and wireless phone and shipping services in the U.S., and U.S. restaurants. You can redeem those points for nights away or little extras that make trips extra-special, such as a Hilton event, Hilton Experience, or an upgrade.

Renee Breiten

Personal Finance Contributor

Renee Breiten is a professional writer and Exeter MBA who specializes in business, finance, investments, and management. Her work has appeared on PNC, Credit Suisse, American Express, The Street, Investopedia, Motley Fool, Seeking Alpha, SCORE, and Hello Giggles, amongst others.