The Hilton Honors American Express Business Card
Best For: Maximizing rewards on Hilton-related purchases
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 15.74% - 24.74% Variable | $95 | Good, Excellent |
The Hilton Honors American Express Business Card is an excellent low-annual fee travel credit card designed for business travelers who primarily stay at Hilton hotels and resorts. This small business credit card comes with premium travel perks like free priority access to Priority Pass airport lounges.
Who the Hilton Honors American Express Business Card Is Right For
- Owners who frequently travel: Owners of Hilton Honors American Express Business Card will receive American Express’ premium travel perks, making it an excellent choice for business owners who travel frequently.
- Owners who primarily stay at Hilton hotels and resorts: Hilton Honors American Express Business Card offers 12x points per dollar for purchases made directly with Hilton hotels and resorts.
How We Evaluate Travel Rewards Business Credit Cards
When grading a travel rewards business credit card like the Hilton Honors American Express Business Card, we weigh ongoing rewards, introductory rewards, and additional card benefits heaviest. We also consider the card’s annual fee and introductory and ongoing annual percentage rates (APRs).
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Hilton Honors American Express Business Card Fees
- Introductory APR: None
- Ongoing APR: 15.74% to 24.74% variable, which changes with the prime rate
- Annual fee: $99
- Balance transfer fee: Transfers are not allowed
- Foreign transaction fee: None
- Cash advance fee: $5, or 3%, whichever is higher; cash advance APR is 25.24% variable
Hilton Honors American Express Business Card Rewards
- 12x points per dollar for purchases made directly with Hilton hotels and resorts
- 6x points per dollar on select categories such as gas, wireless telephone services, and shipping
- 6x points per dollar on travel purchases including flights booked directly with airlines or with Amex Travel, car rentals booked directly from select car rental companies, and dining at select United States restaurants
- 3x points per dollar on all other eligible purchases
- Free weekend night reward when you spend $15,000 in one year; and a second weekend night reward after you spend $60,000 in one year
Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 on eligible purchases within the first three months of card membership
You can redeem your Hilton Honors Bonus Points for hotel room nights or use a mix of your points and money to pay for hotel stays. You can also use your points to pay for unique travel experiences, Amazon shopping, or for purchases from airline partners.
To get the most value of your points, it’s best to use them on free hotel room nights. The amount of points a Hilton room is worth is based on the specific hotel, the room you book, and the dates of your stay. On average, Hilton rooms are worth between 38,000 and 45,000 points per night. Typically, Hilton members with Silver, Gold, or Diamond status will receive every fifth night free on standard reward stays of five consecutive nights or more.
Hilton Honors American Express Business Card Features
Complimentary Gold Status
If you open the Hilton Honors American Express Business Card, you will receive complimentary Hilton Honors Gold Status. Gold Status is usually earned after 40 nights of stay or by earning 75,000 base points in a year, which is $7,500 in spending. Hilton Honors Gold Status members will earn an 80% points bonus on paid nights, which is an additional eight points per dollar spent. If you want to receive more Hilton benefits, you can upgrade to Hilton Honors Diamond Status when your total eligible purchases reach $40,000 or more.
10 Free Priority PassTM Visits
With the Hilton Honors American Express Business Card, you can receive a free Priority PassTM Select membership. Priority PassTM is a network of airport lounges, mini suites, and restaurants. This network is available in approximately 35 major US airports. After you enroll in the Priority PassTM Select program, you will receive your Priority PassTM Select card within 10 to 14 business days. With this card, you will receive 10 complimentary lounge visits each membership year.
Roadside Assistance Hotline
You will have access to a roadside assistance hotline that can send out a tow truck or locksmith. Fees for any additional goods and services shall be charged to the cardholder. Vehicles that are not covered by this service include taxis, rental vehicles, unlicensed vehicles, and trucks or tractors weighing at least 10,000 pounds.
Purchase Protection
Items purchased using the Hilton Honors American Express Business Card are protected if they are damaged or stolen within 120 days from the date of purchase. Certain items are not included with this coverage like animals, living plants, motorized vehicles, tickets of any kind, traveler’s checks, permanent fixtures, items for resale, rented items, and losses due to normal wear and tear.
Return Protection
American Express will refund you for eligible items that you try to return within 90 days from the purchase date but are not accepted by the store. The maximum refund amount is $300 per item and $1,000 per account per year. Jewelry, motorized vehicles, seasonal items, computer software, tickets, consumables, and limited edition items are excluded from this coverage.
Extended Warranty Protection
Extended warranty protection is provided for purchased items that have an original manufacturer warranty of five years or less. You will receive an additional two years on your warranty if the original warranty is between two and five years. American Express will match the warranty if it’s less than two years. Certain items are not covered by this extended warranty like items purchased for use as inventory, real estate, software, motorized devices, consumables, animals, living plants, and vehicles.
Travel Accident Insurance
American Express will provide travel accident insurance of up to $100,000 for trips charged entirely to your Hilton Honors American Express Business Card. This insurance provides coverage if you die or lose a limb, sight, speech, or hearing. Self-inflicted injuries, acts of war, injuries sustained while commuting, mental and physical infirmities, and certain illnesses are not covered.
Baggage Insurance Plan
By using the Hilton Honors American Express Business Card, cardholders will have access to baggage insurance coverage between $250 and $1,250. This insurance covers any lost bags while in transit, carry-on baggage, checked baggage, and high-risk items. Cash, credit cards, tickets, consumables, prosthetics, and properties shipped as freight are not included with this coverage.
Car Rental Loss & Damage Insurance
When you use your American Express credit card to rent a car, you are covered with car rental loss and damage insurance up to $50,000 per car rental agreement for the first 30 days of car rental. American Express will pay for the actual cost of the car rental repair, the wholesale book value of the rental vehicle, or the purchase invoice price of the rental vehicle, whichever is the least.
Global Assist Hotline
The Hilton Honors American Express Business Card gives cardholders access to a global assist hotline when they travel more than 100 miles from home. The 24-hour hotline provides access to medical, legal, financial, and other select emergency and assistance services. Cardholders are responsible for any charges required by third-party providers.
Hilton Honors American Express Business Card Alternatives
Chase Ink Business Preferred®
Ink Business Preferred® Credit Card
Best For: Maximizing travel rewards at a lower annual fee
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 15.99% to 20.99% Variable | $95 | Good to Excellent |
American Express Business Platinum Card®
The Business Platinum Card® from American Express
Best For: Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | N/A | $595 | Good, Excellent |
American Express Marriott Bonvoy BusinessTM Credit Card
Marriott Bonvoy Business™ American Express® Card
Best For: Owners who choose to stay at Marriott Bonvoy hotels
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 15.74% - 24.74% Variable | $125 | Good, Excellent |
Bottom Line
The Hilton Honors American Express Business Card is best for business owners who travel for business and usually to stay at Hilton hotels and resorts. This travel credit card also offers premium travel rewards for eligible purchases in other categories. If this credit card is not what you’re looking for, compare other top options.
