Hilton Honors American Express Business Card Review: When Business and Travel Collide [2020]

Finding value in the Hilton Honors American Express Business Card shouldn’t be tough if you’re an avid Hilton traveler.
Last updated Sep 9, 2020 | By Matt Miczulski

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Business credit cards not only help keep your personal and business expenses separate but also allow you to earn rewards on the costs, big or small, that come with running a business. Whether your expenses include gas, food, shipping costs, or flights and hotels for business travel, you should be rewarded for your businesses spending — and the Hilton Honors American Express Business Card does just that.

Aside from the generous welcome bonus, Hilton Honors American Express Business cardmembers will benefit from 6X points on select business and travel purchases, complimentary Priority Pass visits, and a slew of other valuable business-related perks. For any business owner who prefers staying with Hilton, this card may be a no-brainer.

However, if you aren’t sure whether or not this card fits your lifestyle and spending habits, this Hilton Honors American Express Business Card review will help you answer some of those burning questions: Is it the best hotel credit card for me? Is it worth it? What if it’s not what I’m looking for? Let’s find out.

A Slew of Valuable Business Perks

Benefits

  • 130,000 Hilton Honors Bonus Point welcome offer
  • 12X Hilton Honors Bonus Points on eligible Hilton purchases
  • Complimentary Hilton Honors Gold status
  • No foreign transaction fees
  • Terms apply

Drawbacks

  • Has annual fee

In this Hilton Honors Amex Business Card review

Who should get this card?

The Hilton Honors American Express Business Card is a great option for business owners who find value in staying at the various Hilton properties. With spending rewards of up to 12X points, Hilton travelers will be rewarded for their loyalty, but this isn’t the only way to earn Hilton points.

Virtually every other business expense is going to earn you points, too, allowing you to quickly amass points toward your next trip. Since redeeming for Hilton stays is generally going to provide you more value per point, those who are loyal to Hilton will find the most value in this card.

Cards like the Hilton Honors American Express Business Card typically require a credit score between good and excellent in order to be approved, so that means you’ll need a credit history that shows a track record of responsible habits.

Card basics

Card type Business
Card issuer American Express
Annual fee $95
Welcome bonus Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in the first 3 months
Rewards rate 12X Hilton Honors Bonus Points on eligible purchases made directly with Hilton, 6X on select business travel and purchases, and 3X on all other eligible purchases
Recommended credit score Excellent, Good
Foreign transaction fee None

Top card benefits

  • Lucrative welcome bonus: Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in the first 3 months of card membership.
  • Earn points on travel and business spending: This card works double duty as a business and travel card, earning you 12X Hilton Honors Bonus Points on eligible purchases made directly with Hilton, 6X on select business travel and purchases, and 3X on all other eligible purchases.
  • Complimentary Gold status: Enjoy complimentary Gold status with your Hilton Honors Business Card.
  • Weekend night rewards: Spend $15,000 on purchases in a calendar year and earn a Weekend Night Reward. Earn another Weekend Night Reward after spending $60,000 on purchases in the same calendar year.
  • Priority Pass Select membership: Enjoy 10 free airport lounge visits each year once enrolled in the complimentary Priority Pass Select program, which offers access to over 1,000 lounges around the world.
  • Upgrade to Diamond status: Spend $40,000 on eligible purchases in a calendar year and earn Hilton Honors Diamond status through the end of the next calendar year.
  • No foreign transaction fees: Swipe your card on any purchase abroad without having to worry about racking up fees.
  • Amex Offers: Add shopping, dining, travel, and other offers to your card to enjoy additional rewards.
  • Trip protections: Between baggage, car rental (secondary coverage), and travel accident insurance, you can relax knowing any trip is going to be protected.
  • Purchase protections: Benefit from an extended warranty and purchase protection on eligible purchases just by using your card to pay for them.

Earning & redeeming

Best ways to earn

Categories Rewards rate
Eligible purchases made directly with Hilton 12X
Select business and travel purchases 6X
All other eligible purchases 3X

Maximizing your redemptions

Just as you’d expect with a hotel credit card, you’ll get the most value from your points by redeeming them for stays at Hilton hotels, which can be easily done on the Hilton Honors website. How much each point is worth exactly varies depending on when you travel and where you stay, but hotel stays are still generally the best way to redeem them. Reward stays can be booked online, on the Hilton Honors app, or by calling 1-800-446-6677.

That said, the Hilton Honors website provides several other options you can choose from to redeem your points, with some giving you more for your money than others:

Use Hilton Honors points for Details
Hilton hotels and resorts Starting as low as 5,000 points, you can redeem for free nights at any of the 5,700 properties around the world
Redemption experiences Use your points for an experience, which could be concert tickets, travel excursions, and more
On-property rewards Redeem your points for things like spa treatments, fine dining, or golf lessons to make your stay that much better
Travel and transportation Transfer your points to airline, rail, and car rental partners
Shopping and dining Use your points to redeem rewards from Hilton’s retail and entertainment partners
Pool and transfer points Share your points with family and friends to enjoy experiences together
Exchange points If you need extra points to reach a particular reward redemption, you can exchange points from other participating rewards programs for Hilton Honors points to help get you there
Donate your points Support a charity or nonprofit that matters to you

What hotels are part of the Hilton Honors program?

Hilton Honors is one of the largest hotel chains in the world with over 5,000 locations in more than 100 countries, including brands such as:

  • Waldorf Astoria Hotels & Resorts
  • Conrad Hotels & Resorts
  • Canopy by Hilton
  • Curio Collection by Hilton
  • Hilton Hotels & Resorts
  • DoubleTree by Hilton
  • Tapestry Collection by Hilton
  • Embassy Suites by Hilton
  • Hilton Garden Inn
  • Hampton by Hilton
  • Tru by Hilton
  • Homewood Suites by Hilton
  • Home2 Suites by Hilton
  • Hilton Grand Vacations

Hilton Honors Amex Business Card FAQs

Is the Hilton Honors American Express Business Card worth it?

You should be able to find value in this card if you try to stay at Hilton properties anytime you travel. With more than 5,700 properties in 113 countries, the Hilton Honors program provides an enormous amount of flexibility for business travelers.

However, if you don’t frequent Hilton properties, you may find more value in a business credit card that isn’t tied to a specific hotel.

What credit score do you need for the Hilton Honors American Express Business Card?

For the best chances of being approved for the Hilton Honors American Express Business Card, you’ll want a good-to-excellent FICO score of 670 or higher.

What does Hilton Gold status get you?

Hilton Honors Gold Elite status offers a world of privileges and benefits, such as:

  • A guaranteed member discount (discounted, changeable, and refundable rate)
  • Earn reward nights faster with an 80% bonus on all Hilton Honors Base Points you earn
  • No resort fees on Reward Stays
  • Choose your room, check-in, and keep your key digitally with the Hilton Honors app
  • Second guest stays for free
  • Late check-out
  • Free transfer of points and points pooling
  • Book reward stays with points and receive every fifth night free
  • Enjoy two complimentary bottles of water per stay
  • Elite-tier rollover nights
  • Enjoy space-available room upgrades (up to Executive room type)
  • Enjoy daily continental breakfast for you and up to one additional guest
  • Unlimited milestone bonuses
  • Earn 10,000 bonus points for every 10 nights you stay in a calendar year, starting at 40 nights. On top of that, earn an additional 30,000 bonus points when you hit 60 nights.

Does Hilton Honors have lifetime status?

Yes, but only for select Hilton Honors members — well, their most loyal guests, that is.

To qualify for Lifetime Diamond status, Hilton Honors members must have Diamond status for at least 10 years and must have stayed at least a combined total of 1,000 paid and reward nights. Members can also have Diamond status for at least 10 years and have earned at least 2 million base points in order to qualify for Lifetime Diamond status.

Can you have both Amex Hilton Honors cards?

Yes, you can have both the Hilton Honors American Express Business Card and the consumer version of the card, the Hilton Honors American Express Card.

Since all Amex Hilton cards are considered separate products, you not only can have both cards but you also can earn the welcome bonus on each one. That’s a total of 215,000 Hilton Honors points.

What is the highest level of Hilton Honors?

There are four levels of Hilton Honors: Member, Silver, Gold, and Diamond (the highest).

Since your Hilton Honors American Express Business Card includes a complimentary Hilton Honors Gold status, you’d need to spend $40,000 on eligible purchases in a calendar year to earn Hilton Honors Diamond status through the end of the next calendar year.

How many Hilton points do you need for a free night?

The amount of points required to redeem for a free night varies by hotel, room, booking, and the date you choose, but the number of points required for a reward stay starts at 5,000 points per night. This amount will also fluctuate depending if your stay is during a peak or off-peak period but will be no more than 95,000 points per night.

How much are Hilton Honors points worth?

Since there are several ways to redeem your Hilton Honors points and each way has its own value, determining what your points are worth depends on how you choose to redeem them.

Take the following scenario as an example:

Points booking:

  • A three-night stay at Hilton Ocean City Oceanfront Suites during peak season in August 2019 costs 90,000 points, or $631 per night. That’s a value of roughly 0.7 cents per point.
  • A three-night stay at the same hotel and room a month later in September 2019 still costs 90,000 points, but the room rate is now $315 per night. That’s a value of roughly 0.4 cents per point.

Whether it’s a hotel stay or transferring to a travel partner, shopping around before you decide to spend your points is the best way to ensure you’re getting the most value from them.

Does the Hilton Honors American Express Business card have a balance transfer fee?

Currently, there are no balance transfer fees for the Hilton Honors American Express Business Card.

Other cards to consider

The Hilton Honors American Express Business Card is a great option for business owners who frequently stay at Hilton properties. But if you don’t want your rewards to be tied up with a single brand, there are other comparable options you may find rewarding.

The American Express Business Gold Card is an ideal charge card choice for business owners who value a combination of earning potential and flexibility. On top of a 4X earnings multiplier for select categories, cardmembers also benefit from a lucrative welcome bonus, airline bonus, and other business-related perks that should help offset the $295 annual fee.

The Ink Business Preferred Credit Card is another great option for business owners who value flexibility above all else. With a very generous welcome offer, high earnings rates, and useful transfer partners when it comes time to redeem your points, finding value here shouldn’t be much of an issue — even with a moderate annual fee of $95.

A Slew of Valuable Business Perks

Special Offer

Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in the first 3 months

See how these cards compare:

American Express Business Gold Card
American Express Business Gold Card
  • 35,000 point welcome offer
  • 4X Membership Rewards points in selected categories
  • No foreign transaction fees
  • Terms apply
Chase Ink Business Preferred Credit Card
Chase Ink Business Preferred Credit Card
  • 100,000 point sign-up bonus
  • 3X points on travel and common business spending categories
  • Flexible redemption options
  • Additional employee cards at no extra cost