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Amex Hilton Business card analysis: 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 worth considering in case 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 priceless benefits, with a very manageable annual cost. 

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

There are solely a handful of hotel credit cards within the market which is likely to be geared in direction of small-business householders, nonetheless in case you are making an attempt 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 worth The Hilton Honors American Express Business Card based on Insider’s valuations, and chances are you’ll redeem the free night award at just about any Hilton lodge worldwide — even the most expensive resorts that worth 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 secure picks.

But in case you may qualify for a small-business credit card, The Hilton Honors American Express Business Card offers a hard-to-beat combo of a common The Hilton Honors American Express Business Card annual cost and top-notch incomes and perks.

In actuality, it’s obtained the broadest differ of bonus spending lessons of any Hilton card, and comes with as a lot as two additional free night certificates yearly in case 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 primarily need a Hilton-branded credit score rating card to earn Hilton points. Hilton Honors is an American Express Membership Rewards confederate, which means chances are you’ll 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 worth it in case you are paying curiosity or late expenses. When using a credit score rating card, it’s important to pay your stability in full each month, make funds on time, and solely spend what chances are you’ll afford to pay.

How to earn points with the Hilton Honors Business card

The Hilton Honors American Express Business Card is a heavy hitter regarding incomes points, offering bonus rewards in a broad differ of lessons — not merely at Hilton inns.

Cardholders earn points on the next expenses:

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

Keep in ideas the 12x points at eligible Hilton inns are alongside with the points you’d normally earn from staying with Hilton (10x points at most Hilton producers in addition to 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 suggested, between the points chances are you’ll earn from the card, frequent points incomes at Hilton inns, 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 lodge stays.

How to utilize Hilton points

You’ve obtained a number of selections for redeeming Hilton points, nonetheless chances are you’ll usually get most likely probably the most value by using points for award nights at Hilton inns. 

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

You can stretch your points for additional nights by combining points and money for award stays, or by profiting from Hilton’s fifth-night free revenue for elite members. This perk means that you could e-book 5 consecutive regular award nights and efficiently get a 20% low price 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 hold requirements to earn elite status to unlock the fifth-night free revenue.

Other strategies to utilize Hilton points embrace 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 to your points when you redeem this fashion.

Benefits and choices

The Hilton Honors American Express Business Card comes with a huge number of perks that will make your travels additional cosy and allow you get financial financial savings.

Free night award certificates

When you spend $15,000 or additional on eligible purchases in a calendar 12 months with the card, chances are you’ll get hold of a free night certificate, and one different in case you spend a full of $60,000 with your card in a calendar 12 months. These certificates are official at just about any Hilton lodge, with exceptions listed here.

Hilton free nights awarded for meeting spending thresholds used to solely be official Friday, Saturday, or Sunday nights, nonetheless 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 inns)
  • Room upgrades when obtainable
  • 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 12 months with The Hilton Honors American Express Business Card, chances are you’ll get upgraded to Hilton Diamond elite status by the use of the tip of the following calendar 12 months. Hilton Diamond status is rather more priceless — 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 may need The Hilton Honors American Express Business Card, chances are you’ll enroll in a complimentary Priority Pass Select airport lounge membership**, with 10 free visits included per 12 months. While completely different, additional premium credit cards provide a membership with limitless visits, chances are you’ll usually ought to pay a a lot bigger annual cost — so that’s a good chance in case you solely journey a few events a 12 months.

Car rental insurance coverage protection

When you pay to your automotive rental with The Hilton Honors American Express Business Card and decline the collision damage waiver on the rental counter, you’re going to get secondary safety for damage to or theft of the auto. Some worldwide areas and car varieties are excluded, so you need to positively be taught the phrases and conditions sooner than you rent and phrase that obligation insurance coverage protection will not be included.

Secondary automotive rental insurance coverage protection will solely cowl portions left over after your main (personal) automotive 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 personal 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 is likely to 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 objects and some states have fully completely different limits, so take a look at the phrases and conditions 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 damage that occurs inside 90 days of purchase, as a lot as a most of $1,000 per prevalence and $50,000 per account per calendar 12 months.

Extended assure

The Hilton Honors American Express Business Card comes with as a lot as one additional 12 months 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. 

Global Assist Hotline

The Hilton Honors American Express Business Card moreover offers 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, nonetheless chances are you’ll be answerable 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, nonetheless chances are you’ll merely make up for it (and then some) by making the most of the card’s benefits. 

It’s a good choice to take with you in case you are touring internationally as a results of it doesn’t charge foreign transaction fees. However, like most enjoying playing cards, there are expenses 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 payment

12 points per buck spent on eligible purchases at Hilton inns

6 points per buck spent on select enterprise purchases: U.S. gas stations, wi-fi cellphone suppliers purchases instantly 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 instantly with airways or Amex Travel, and automotive leases booked with select automotive rental corporations

3 points per buck on all completely different eligible purchases

7 points per buck spent on eligible purchases at Hilton inns

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 inns

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 12 months

Free night certificates after you spend $15,000 on eligible purchases in a calendar 12 months

A second free night award in case you spend a full of $60,000 or additional in a calendar 12 months

Priority Pass Select airport lounge membership** with 10 free visits per 12 months

 

 

 

Hilton Silver elite status

Upgrade to Gold status after you spend $20,000 on eligible purchases in a calendar 12 months

 

 

Hilton Gold elite status

Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar 12 months

Free night certificates after you spend $15,000 on eligible purchases in a calendar 12 months

Priority Pass Select airport lounge membership** with 10 free visits per 12 months

Other card benefits

Secondary automotive rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by the use of Amex Offers**

No worldwide transaction expenses

Secondary automotive rental insurance coverage protection

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by the use of Amex Offers

No worldwide transaction expenses

Secondary automotive rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by the use of Amex Offers

No worldwide transaction expenses

Learn additional

 

Hilton Honors American Express card review

Hilton Honors American Express Surpass card review

Amex Hilton Business vs completely different small-business lodge 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 payment

12 points per buck spent on eligible purchases at Hilton inns

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

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

3 points per buck on all completely different eligible purchases

6 points per buck on eligible purchases at inns participating 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 instantly 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 inns

2x points in your excessive three spend lessons each quarter (from a guidelines) by the use of 12/31/23, then your excessive two lessons each quarter

2x points on well being membership and health heart memberships 

1 degree 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 12 months

Free night certificates after you spend $15,000 on eligible purchases in a calendar 12 months

A second free night award in case you spend a full of $60,000 or additional in a calendar 12 months

Priority Pass Select airport lounge membership** with 10 free visits per 12 months

Marriott Bonvoy Gold elite status

Annual free night award*

A second free night award in case you spend $60,000 or additional in a calendar 12 months*

15 elite night credit score each calendar 12 months

Automatic Hyatt Discoverist elite status

Gift Discoverist status to as a lot as 5 agency employees

5 Tier-Qualifying night credit score in direction of status and Milestone rewards for every $10,000 you spend in a calendar 12 months

Up to $100 in Hyatt assertion credit score per 12 months

10% redemption rebate after you spend $50,000 in a calendar 12 months

Hyatt Leverage program membership

 

Other card benefits

Secondary automotive rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by the use of Amex Offers

No worldwide transaction expenses

Secondary automotive rental insurance coverage protection

Baggage insurance coverage protection plan

Global Assist Hotline

Purchase security

Extended assure

Access to reductions and bonus points by the use of Amex Offers

No worldwide transaction expenses

Secondary automotive rental insurance coverage protection

Trip cancellation/interruption insurance coverage protection

Extended assure

Purchase security

Travel and emergency assist suppliers

Roadside dispatch

No worldwide transaction expenses

Review

 

Marriott Bonvoy Business American Express card review

World of Hyatt Business card review 

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

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

Is the Hilton Honors Business card worth it?

Even in case you don’t keep with Hilton normally, The Hilton Honors American Express Business Card is worth it for the benefits it offers, which could higher than offset the annual cost — significantly considering the big welcome bonus provide throughout the first 12 months. Other perks like Hilton Gold status and Priority Pass airport lounge access can translate into very important monetary financial savings as correctly.

However, in case you fully don’t have to pay an annual cost, there’s one other alternative. The no-annual-fee Hilton Honors American Express Card moreover offers a substantial welcome bonus provide. Although it isn’t packed with benefits, it’s nonetheless a good determine in case you are an uncommon traveler.

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

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

If your credit score rating will not 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 prospects to the Hilton Honors Business card? 

You can add as a lot as 99 permitted shopper enjoying playing cards to your account, and chances are you’ll even set spending limits to your employees in order for you. Any points earned from their spending is likely to be credited to the primary cardholder’s Hilton account and rely in direction of meeting spending thresholds for bigger elite status and free night certificates.

Keep in ideas chances are you’ll be answerable for any purchases made by your permitted prospects. Authorized prospects/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 chances are you’ll will need to have a enterprise to qualify. That said, you aren’t required to have a formal enterprise building or LLC — in case you do freelance work or have a side gig, you could be eligible for a small-business card. You are not looking for an EIN, each — it’s doable 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 in case you’ve got already obtained the bonus on The Hilton Honors American Express Business Card beforehand, you aren’t eligible to acquire it as soon as extra.

It is possible to have a couple of kind of Hilton card open at a time. So, as an 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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