The Hilton Honors American Express Business Card review

This card rewards Hilton loyalty with bonus points in more general travel and business categories. With this card you can enjoy complimentary Hilton Honors Gold status and a chance to receive an upgrade to Diamond status.

Written by
Brooklyn Lowery
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Small Business Card

The Hilton Honors American Express Business Card

  • Rewards
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. 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.
  • Welcome Bonus
  • 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.
  • Annual Fee
  • $195
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Sponsored card
5.0
Credit Score: Good, Excellent
on American Express's secure website
Terms and Limitations Apply

Key Features

Editor Analysis:

Pros
  • For a limited time, earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the card within the first six months of card membership. (Offer ends 6/5.)
  • Earn bonus points for staying at Hilton properties, but also for everyday business and travel purchases such as purchases at U.S. restaurants and gas stations as well as on U.S. shipping charges and more (more details below).
Cons
  • This is a branded card and it does reward your loyalty, but if your business doesn't take you to Hilton properties often, you'll likely be better off with a more general small business rewards credit card.
ALTERNATE CARD TO CONSIDER

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card_name essentials

CardName really takes care of its members. With rewards such as 12 times the bonus points on eligible Hilton purchases; five times the bonus points on other purchases made using the card on the first $100,000 in purchases each calendar year; and three times the bonus points thereafter, plus an annual fee of just AnnualFees, businesses with traveling employees who favor Hilton properties would be hard-pressed to find a more beneficial business credit card. See Rates and Fees. American Express is a CardRatings advertiser.

On top of these ongoing rewards earning opportunities, the card features a limited time offer through which new cardholders can earn 175,000 bonus points after spending $8,000 on purchases in the first six months. (Offer ends 6/5.) With all that traveling employees are doing, it’s important to note there are no foreign transaction fees and you can also relax with 10 complimentary airport lounge visits each year after a one-time enrollment in Priority Pass Select, which offers access to lounges in more than 140 countries See Rates and Fees.

What our editors like best about card_name

As a cardholder of CardName, you’ll be swimming in rewards. From mountains of points available through earning the welcome offer and points available to earn day-to-day, to free reward nights and airport lounge availability, the traveling business person is catered to 24/7. We love this because you’re so busy with work that it’s nice to reap the benefits in both your business and personal lives.

As far as everyday rewards earning goes:

  • Earn 12X points per $1 spent on eligible Hilton purchases
  • Earn 5X points per $1 spent on other purchases made using the card on the first $100,000 in purchases each calendar year
  • Earn 3X points per $1 thereafter
  • Enjoy complimentary Hilton Honors Gold Status with your card, and receive 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.

The other aspect of this card that we love is the expense management tools provided to card members free of charge. You can track employees card spending habits, connect your account to QuickBooks, receive a year-end account summary, and even choose a designated account manager, such as an assistant, to handle the business decisions associated with CardName. The other nice feature is the account alerts function, which can notify you when you’re near your spending limit, of employee purchases, or even just when your bill is due.

Potential downsides of CardName

As is the case with any branded credit card, your loyalty to the brand really is the key as to whether CardName is the right choice for you. Sure you can earn bonus points in a number of business and travel-related categories, but those points aren’t going to be quite as useful to you if you and your employees aren’t staying at Hilton properties regularly. If you’re just looking to earn bonus points on travel and business purchases, there are more general small business credit cards out there that will reward you handsomely for those purchases without the Hilton brand hanging over your head.

How CardName compares to other credit cards

CardName vs. CardName

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For those who find the CardName too travel-oriented and would rather receive cash rewards, there is the CardName.

This card offers new members an introductory 12 months with 0% APR on purchases (then, RegAPR). It also offers a welcome bonus opportunity of $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening, and it doesn’t charge an annual fee.

Cash-back rewards are tracked by a point system, which is easy to use. You’ll earn 5% back on the first $25,000 spent each account anniversary year at office supply stores and on cellular phone, landline, internet and cable TV services. Earn 2% back on the first $25,000 spent each year at gas stations and restaurants and 1% back on everything else.

The Chase Ultimate Rewards® points are transferable among different Chase products, so if you already have a Chase card in your wallet, it could pay to stick within the Chase family. However, if you travel internationally for business, be aware that the CardName might not be for you – it charges foreign transaction fees, compared to no foreign transaction fees with CardName.

CardName vs. CardName

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CardName and the CardName both charge an annual fee, but in Citi’s case it’s AnnualFees . Both cards offer the opportunity to earn a significant chunk of rewards as a welcome offer and, of course, reward you at the highest rate when you spend within the respective brands. The real difference comes down to your loyalty and your needs. Citi is a CardRatings advertiser.

If you have airline loyalty, but not so much hotel loyalty, the CardName is likely a better bet. The benefits include receiving a free checked bag on domestic travel itineraries, preferred boarding and a 25% discount on eligible in-flight purchases. Plus, you’ll earn two AAdvantage® miles for every eligible $1 spent with American Airlines as well as with telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations and one mile for every $1 spent elsewhere. Depending on where your travel takes you, round-trip reward flights are available for as few as 11,000 miles. Plus, new cardholders can earn 65,000 bonus miles after spending $4,000 on purchases in the first four months.

Who should get CardName?

CardName is a solid choice for anyone who likes to lay their head on a Hilton pillow when they travel for business and appreciate being rewarded for buying things as simple as gas for your business driving. Plus, those opportunities for free reward nights will have you dreaming of weekends away with family and friends or at least keeping some money in your business bottom line.

Frequently asked questions

CardName charges a AnnualFees annual fee.
CardName is designed for people with good to excellent credit. If your credit score falls within this range, you should qualify for eligibility. That said, other factors, such as payment history, your total number of accounts, and the average age of your accounts, could also be considered in the application process.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.


This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.


(See Rates and Fees for CardName)

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