The Hilton Honors American Express Business Card
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The Hilton Honors American Express Business Card is an ideal match for frequent business travelers seeking a hefty sign-up bonus. With ways to earn 12x points, 6x points or 3x points on eligible purchase categories, you can reap major business travel rewards by adding this card to your wallet. Plus, cardholders receive a hefty 125,000 Hilton Honors Bonus Points after spending $3,000 within the first 3 months.
Additionally, you can earn up to two Weekend Night Rewards per year after meeting specific spending requirements.
Here are the details:
The Hilton Honors American Express Business Credit Card is the small business equivalent to the Hilton Honors American Express Ascend, offering a higher spending cap and luxury travel perks such as 10 Priority Pass visits and complimentary Gold status.
If you’re a small business owner with good-to-excellent credit and loyalty to the Hilton hotel chain, you’ll benefit most from this card. The 125,000-point sign-up bonus is one of the best offered among business credit cards, and at 17.99 – 26.99 percent variable APR, you’ll earn the following:
- 12x points at Hilton-owned hotels and resorts
- 6x points on select business purchases (U.S. purchases for shipping, wireless telephone services purchased from U.S. providers and at U.S. gas stations)
- 6x points on select business travel purchases (U.S. restaurants, select car rentals and airfare booked directly with airlines or amextravel.com)
- 3x points on all other eligible purchases
Cardholders enjoy automatic Gold status, meaning you’ll receive perks like unlimited Milestone bonuses, complimentary breakfast at every Hilton hotel and a fifth night free on each rewards stay. Plus, if you enroll in complimentary Priority Pass™ Select membership, you’ll receive 10 free airport lounge visits per year (available for use at 1,000+ lounges across the globe).
Perhaps the most alluring benefit of this card is the ability to earn two Hilton Honors Weekend Night Rewards per year, which can be used at any of the Hilton-own hotel and resort properties after spending $15,000 in purchases. (Some Hilton-owned properties are excluded from this benefit. You can find the list here.) Then, you can earn a second weekend night after spending an additional $45,000 within the same year.
In addition to card-specific perks, you’ll receive the following American Express business card benefits:
- Baggage insurance
- Travel and emergency assistance
- Rental car insurance
- Roadside assistance
- Ability to track and limit employee cards
Is this card right for you?
The Hilton Honors Business Credit Card is perfect for Hilton-loyal business owners with companies spending $15,000 or more per year. This card’s excellent rewards rate can help you easily turn company expenses into points for future lodging, business-related airfare and more.
With perks like complimentary Hilton Honors Gold status, you can receive room upgrades and an 80 percent bonus on base-level points (1 point or percent cash back per dollar). This card also boasts no blackout dates and the ability to transfer points to other hotel and airline partners, ideal for travel-savvy business owners.
Two pitfalls to note: Hilton points usually transfer to partners at a 10:1 ratio, making them less valuable when redeeming for anything non-hotel stay related. Additionally, Hilton Honors points are more inflated compared to similar hotel chains. One Hilton Honors point has an average value of around .06 cents, making it half of the average value of other loyalty programs. In order to sidestep this low point value, redeem your points for hotel stays within the 5,000 point range – the average point value for these rooms is equal to 1.22 cents.
How much are the rewards worth?
Hilton Honors points, as of December 2018, are worth an average of .06 cents per point. (100,000 Hilton Honors points are equivalent to $600 USD.) Based on a $4,000 monthly spend, cardholders can earn an average of $1,278 per year.
You can easily make up for the $95 annual fee by utilizing one of the many perks of the card. For example, use four of your 10 free Priority Pass airport lounge visits (worth $27 per visit) and you’ll more than make up for the annual fee.
By using the 125,000-point sign-up bonus on hotel stays in the 5,000-point range, you can get up to 25 nights free at Hilton properties. That’s $1,525 worth of hotel stays.
How this card compares
Hilton Honors American Express Ascend Card
If you’re looking for a Hilton-specific business card, the Hilton Honors American Express Business Credit Card is the sole option. Yet the Hilton Ascend Card is a close match for non-business related spending. Similar to the Hilton Business card, cardholders are charged a $95 annual fee and get one weekend night free after spending $15,000 in a year. You’ll receive the same 12 points for staying at Hilton hotels, but in lieu of a category for business expenses, you’ll receive 6 points at U.S. restaurants and grocery stores.
Starwood Preferred Guest® Business Credit Card from American Express
Another comparable business card option is the Starwood Preferred Guest Business card. This card boasts a $0 introductory APR ($95 after the first year) along with a comparably lower welcome-bonus of 75K points after spending $3,000 in the first 3 months, but you’ll earn significantly fewer points for your spending with the Starwood Preferred Guest card (6 points per dollar on affiliated hotels, 4 points for dining and gas and 2 points for everything else).
How to use this card
In order to get the most out of the Hilton Honors Business Credit Card, it’s important to optimally redeem your points. The best point redemption rates are usually within the 5,000 point range. (Hilton uses point ranges rather than a fixed redemption chart.) Second, in accordance with their points range, you’ll usually get the most bang for your buck by redeeming points on standard room nights.
If you redeem your points following these guidelines and fully utilize your 125,000-point sign-up bonus, you can finesse up to 25 nights at Hilton properties. Plus, if you stay five or more nights at a time, you’ll earn your fifth night free (meaning up to 31 free rewards stays).
You’ll be notified of your free Weekend Night Reward via email (after spending $15,000 in any given year). These free nights are valid for 12 months and can be redeemed by calling 1-800-4HONORS. (Redeem your rewards at high-tiered properties in order to best utilize your points.) If you ever find yourself short of the perfect amount of points, you can combine both points and cash to cover your rewards stay with Hilton’s Points & Money option.
Another benefit of this card is the ability to exchange American Express Membership Rewards Points for Hilton Honors Points. Transferring points requires enrollment in American Express’ Membership Rewards program. If you’re not already enrolled, simply call +1-800-AXP-EARN or visit membershiprewards.com.
The bottom line
If traveling isn’t your largest spending category, this card may not be worth it. But if you’re a frequent small business traveler with a preference for Hilton hotels, this card can be a great fit. You’ll be able to enjoy free hotel stays, a fantastic welcome bonus and earn a significant amount of points for your purchases compared to similar business credit cards.