Hilton Honors American Express Business Card Review for 2023
This article is part of a larger series onBest Small Business Credit Cards.
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.
If you wish to compare one card over another, select a maximum of three cards on this page and clickAdd to compareto view the details in a side-by-side comparison.
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
- 欢迎提供:赚130000希尔顿荣誉奖金Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- 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 for up to one additional year. Applies to warranties of five years or less on covered purchases.
- 欢迎提供:赚130000希尔顿荣誉奖金Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- 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 for 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 theHilton 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 6x points per dollar on select business purchases (such as gas, US wireless telephone services, and US purchases for shipping) and 6x points per dollar on select travel purchases (including flights booked directly with airlines or with Amex Travel, car rentals booked directly from select rental companies, and dining at select US restaurants)
Check outour recommended alternativesbelow if this card doesn’t fit the bill.
Hilton Honors American Express Business Card Fees
APR
- Introductory:None
- Ongoing:20.99%to29.99% 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 periods 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:$95
- 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.
Hilton Honors American Express Business Card Rewards
- Welcome Offer:Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- 12x pointsper dollar for purchases made directly with Hilton Hotels & Resorts
- 6x pointsper dollar on select business purchases such as gas, United States wireless telephone services, and US purchases for shipping
- 6x pointsper dollar on select 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 US restaurants
- 3x pointsper dollar on all other eligible purchases
- Free Night Rewardfrom Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year; you can also earn another Free Night Award from Hilton Honors after spending an additional $45,000 on eligible purchases within a calendar year.
你可以用你赚希尔顿荣誉点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.
How To Make Payments on the Hilton Honors American Express Business Card
- 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, available for bothiOSandAndroiddevices, 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:You can mail 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 650448
Dallas, TX 75265-0448
Express Mail
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746
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.
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.
Hilton Honors American Express Business Card Alternatives
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending less than $19,000
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance:大多数购买完全与你的信用卡公司vered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage:Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance:Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance:大多数购买完全与你的信用卡公司vered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage:Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance:Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One Spark Miles Select for Business is a viable option if you want an introductory APR on purchases for nine billing cycles and do not want to pay annual fees
- Lets you earn 5x on hotels and rental cars booked through Capital One Travel and unlimited 1.5x miles on all other purchases
- Is ourtop-recommended business credit card for traveland one of ourbest business credit cards for miles
American Express® Business Gold Card
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee of $295
- No interest-free financing opportunities
- Premium roadside assistance:Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection:American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance:If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty:Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection:Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee of $295
- No interest-free financing opportunities
- Premium roadside assistance:Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection:American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance:If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty:Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection:Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
- American Express® Business Gold Card is a great alternative if you travel frequently and need flexible credit limits
- Does not have any preset spending limits
- Lets you earn 4x points on the first $150,000 on two select categories that your business spends the most on each month (including airfare directly from airlines, advertising on select media―such as online, TV, and radio―computer hardware, software, and cloud solutions, gas, restaurants, and shipping expenses) and 1x points on all other eligible purchases
- Is one of ourbest business credit cards for consultants,top-recommended LLC credit cards, andleading high-limit business credit cards
Chase Ink Business Cash®
- Chase Ink Business Cash® is best if you want an interest-free financing period on top of earning cash back on office essentials, gas stations, and restaurants
- Offers 0% introductory APR on purchases for the first 12 billing cycles
- 让你赚5%现金返还sp在第一个25000美元ent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year, then 1% cash back after the cap is met; you can also earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward for every $1 spent with no maximum
- Is one of ourtop cash back business credit cards
For additional options, see our guides on thebest American Express business credit cardsandleading 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 $95. New cardholders can earn 165,000 Hilton Honors points after spending $5,000 in purchases within the first three months of card ownership. Offer ends 4/5/23.