Hilton Honors American Express Business Card is designed for business travelers who stay primarily at Hilton hotels and resorts. This is a low-annual-fee credit card that offers travel rewards and premium travel perks, including 10 complimentary Priority Pass visits to more than 1,200 airport lounges.
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
When evaluating a travel rewards business credit card like the Hilton Honors American Express Business Card, we first consider the ongoing rewards, introductory rewards, and additional card benefits. We also take into account the card’s annual fee, as well as the introductory and ongoing annual percentage rates (APRs).
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Who the Hilton Honors American Express Business Card Is Best For
- Those who stay primarily at Hilton Hotels & Resorts: It offers 12x points per dollar for purchases made directly with Hilton Hotels & Resorts and free weekend night rewards when you meet certain thresholds.
- Those who travel frequently: It offers 5x points per dollar on the first $100,000 in purchases each calendar year, making it easy to accrue points to be used for future travel needs.
Check out our recommended alternatives below if this card doesn’t fit the bill.
Hilton Honors American Express Business Card Rewards
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- 12x points per dollar spent on purchases made directly with Hilton Hotels & Resorts
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Hilton Honors American Express Business Card Calculator
Determine how much you can earn from the Hilton Honors American Express Business Card by using our rewards calculator below. Calculate your potential rewards based on your projected annual expenses. Just enter your expected expenditures, and our calculator will do the rest. Note that the value of each Hilton Honors point is 6 cents.
Points Rewards Explained
You can use your earned Hilton Honors points in a number of ways, such as paying for Lyft rides, turning them into airline miles with its travel partners, redeeming for rental cars, gifting to someone, and getting VIP access to concerts, dining, and sporting events.
Hilton Honors American Express Business Card Features
Travel
- Complimentary Priority Pass Visits: With Priority Pass™ Select Membership, you get 10 complimentary visits to more than 1,200 airport lounges every year.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Free Night Reward: Get a free night reward after spending $15,000 in purchases on your Card in a calendar year. An additional free night reward from Hilton Honors can be obtained after you spend $60,000 on eligible purchases using the card in a calendar year.
Travel and Purchase Insurance
- Baggage insurance plan: Cardholders get coverage for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Covered Carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all Covered Persons per Covered Trip.
- Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company to be eligible for this coverage.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year, and this applies to warranties of five years or less on covered purchases.
- Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they’re stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence and up to $50,000 per card member, per calendar year.
Expense Management
- Employee cards: You can create employee cards, enabling staff to buy what they need within set limits, and earn Hilton Honors points on their purchases.
- Year-end summary: At the start of each year, cardholders get access to a year-end summary of charges to review a business’s annual spending.
- Connect with QuickBooks: You can save time and better manage your finances by auto-categorizing your expenses using QuickBooks.
Hilton Honors American Express Business Card Fees
APR
- Introductory: None
- Ongoing: 20.99% to 29.99% variable, which changes with the prime rate
- Cash advance: 29.99% variable, which changes with the prime rate
- Penalty: 29.99%; is applied for a minimum of 12 billing cycles in a row and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row. This shall be included in your account if you:
- Made two or more late payments within the past 12 months
- Didn’t pay the minimum payment due by the closing date of the billing period in which it’s due
- Made a returned payment
Fees
- Annual: $195
- Balance transfer: Transfers aren’t allowed
- Foreign transaction: None
- Cash advance: Either $5 or 3% of each cash advance, whichever is higher
- Late payment: Up to $39
- Returned payment: $39
- Overlimit: None
Your due date is at least 25 days after the close of each billing period.
- Direct bank payment: Direct debits let you pay bills automatically, so you don’t have to worry about missing due dates. Provide your bank account details to American Express and indicate the amount you’d like to pay every month.
- Online: You can make a payment through your American Express online account anytime. Choose your payment account and select your bank account and payment date. Note that credit and debit cards aren’t accepted as a form of payment.
- Mobile App: Download the Amex Mobile App and enjoy the convenience of paying your bills at any time.
- AutoPay: You can enroll in AutoPay through your American Express online account. Note that your first AutoPay payment may not be applied to your current billing cycle, so you would need to make your usual payments until AutoPay begins.
- Mail: Send your payment either by check or money order made payable to American Express. Include your account number at the front of your payment.
First Class Mail
American Express
PO Box 96001
Los Angeles, CA 90096-8000
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
When To Consider Hilton Honors American Express Business Card Alternatives
You Need a Travel Rewards Business Credit Card With a 0% Introductory Period
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BEST FOR:
Unlimited 2x miles with every swipe
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.
- Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem
- 5x miles on hotels and rental cars booked through Capital One Travel
- Issue employee cards for free
Pros
- Welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge balance transfer and foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases and balance transfers
- Charges an annual fee after the first year
- Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
Consider the Capital One Spark Miles for Business if you need a miles rewards travel business credit card that offers a 0% introductory period on purchases (for the first 9 billing cycles) and fixed-rate miles rewards on all business purchases. It also offers unlimited miles rewards on all business-related purchases. This card is our best overall business credit card for miles and one of our recommended business credit cards for travel.
You Want a Business Credit Card With a High Credit Limit
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Hilton Honors American Express Business Card will not offer a high credit limit. If this is a feature that you need, our alternative is the Chase Ink Business Preferred®. Aside from offering lucrative rewards and a high credit limit, it does not charge foreign transaction fees and lets you earn points on categories aside from travel. These are why it is our best business credit card for travel and our top high-limit business credit card.
You Prefer Having Lounge Access
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Hilton Honors American Express Business Card offers limited complimentary lounge access through its Priority Pass. If you value having unlimited complimentary lounge access, our recommendation is the American Express Business Platinum Card®. Through The Global Lounge Collection, you get complimentary access to 1,400 airport lounges globally. On top of this, you get Hilton Honors Gold Status, allowing you to enjoy certain benefits at hotels and resorts included in the Hilton portfolio. For this reason, this card is our leading business credit card with airport lounge access, one of our recommended business credit cards for travel, and one of our best small business credit cards.
Bottom Line
Hilton Honors American Express Business Card is best for business owners who travel for business and prefer to stay at Hilton hotels and resorts. It offers premium travel rewards for eligible purchases in other categories and charges a low annual fee of $195. New cardholders can earn 130,000 Hilton Honors points after spending $3,000 in purchases within the first three months of card ownership.