The Hilton Honors American Express Business Card

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Best business card for hotel rewards

Annual Fee:
$95
Purchase Intro APR:
N/A
Regular APR:
17.99% - 26.99% Variable
Terms and Restrictions Apply | Rates and Fees

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Commonly used for: Auto Rental Insurance, Business, Dining, EMV, Extended Warranty Program, Free Credit Score, Gas, Hotel, Mobile Pay Ready, No Foreign Transaction Fees, Points, Purchase Protection, Rewards, Travel, Travel Accident Insurance, Travel Assistance, Unsecured credit card, Zero Fraud Liability.

The Hilton Honors American Express Business Card is an ideal match for frequent business travelers seeking a hefty welcome offer. 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 welcome offer is one of the best offered among business credit cards, and it has a 17.99 – 26.99 percent variable APR. For rates and fees of The Hilton Honors American Express Business Card, please click here. With this card 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.

Advantages
  • Excellent welcome offer
  • No foreign transaction fees
  • Automatic Gold status
  • Fifth night free on rewards stays
  • Complimentary Priority Pass Select membership
Disadvantages
  • No introductory APR offer
  • Limited rewards redemption flexibility
  • Points transfer to partners at a 10:1 ratio

For rates and fees of The Hilton Honors American Express Business Card, please click here.

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 rates and fees of The Hilton Honors American Express Business Card, please click here. 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 welcome offer 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.

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. More tips on how to best utilize your points, as well as other important pieces of information on the rewards program, are available in our Hilton Honors guide.

If you redeem your points following these guidelines and fully utilize your 125,000-point welcome offer, 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.

For rates and fees of The Hilton Honors American Express Business Card, please click here.