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The Hilton Honors American Express Business Card Review
Updated: September 20, 2024
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The Hilton Honors American Express Business Card
On Issuer's Site
Rewards Summary
Earn 1X – 12X pointsEarn 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 on all other eligible purchases. Terms & Limitations Apply.
APR
20.49% - 29.49% variableAnnual Fee
$195Recommended Credit
670-850 (Good to Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
The Hilton Honors American Express Business Card is an indispensable asset for businesses, especially those with a penchant for travel or dining. Boasting a suite of premier hotel benefits, from status upgrades to complimentary stays, it positions itself as a rewarding partner. The versatility in its earning potential ensures that accumulating points is as seamless as it is beneficial. Frequent travelers will appreciate the absence of foreign transaction fees, making international ventures smoother. Even though Hilton Honors points may vary in value, the card's robust earning capacity shines bright, marrying efficiency with elegance, ensuring your business is always in the lap of luxury.
The Hilton Honors American Express Business Card Overview
When choosing a credit card, it's essential to thoroughly assess its features, as they can significantly influence your financial experience, both positively and negatively.
- Rewards rate - Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases, 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 offer: 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 1/8/2025.
- Regular APR - 20.99% - 29.99% variable See rates and fees.
- Annual fee - $195 See rates and fees.
- Foreign transaction fee - NoneSee rates and fees.
- Intro APR offer - None
- Terms Apply
- See rates and fees.
Important Card Details
Choosing the right credit card for your business can be tricky because there are many options out there. Let's look closer at the Hilton Honors American Express Business Card to see what it offers, from travel perks to business benefits, and figure out if it's a good fit for you.
Welcome Offer
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 1/8/2025. It's enough to cover several nights at many Hilton properties. This offer is especially beneficial for new business owners anticipating higher expenses in the first few months.
Hotel Perks
This card comes with an impressive suite of hotel perks. With the complimentary Hilton Honors Gold Status, you can enjoy boosted base points and every fifth night free on reward stays. Also, by spending certain amounts within a calendar year, you can earn free nights, making it a valuable choice for businesses with frequent travel plans. The additional benefit of 10 complimentary visits each year to Priority Pass Select lounges provides a touch of luxury and convenience to your travels.
Dynamic Earning Categories
One of the distinguishing features of this card is its diverse earning categories. Ranging from a whopping 12X Hilton Honors Bonus Points on direct Hilton hotel purchases to 2X to 8X points at restaurants using the Hilton Honors Dining Program and even 3X points on other spending, this card maximizes the opportunities for you to accumulate points. It also incentivizes spending on business essentials like travel, dining and ride services, making it a versatile choice for diverse businesses.
Low-Value Points
A drawback of the Hilton Honors program is that its points typically have a lower value than other hotel rewards programs. This means that you might need to spend more or accumulate more facts to get the same value as you would from other hotel loyalty programs. However, with the high earning rates and wide range of categories on this card, it's possible to accumulate points quickly, which slightly mitigates this disadvantage.
Annual Fee
This card comes with a modest annual fee of $195. While some may view this as a downside, it's important to weigh this cost against the card's potential benefits. For businesses that spend significantly in the card's bonus categories or travel frequently, the rewards and perks can easily outweigh the annual fee. Moreover, the absence of foreign transaction fees adds value for businesses with international dealings.
How The Hilton Honors American Express Business Card Compares
Comparing the features and benefits of two credit cards side-by-side is crucial for making an informed choice tailored to your financial needs.
How This Card Compares
The Hilton Honors American Express Business Card
- Rewards rate - Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases, 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 Offer: 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 1/8/2025.
- Regular APR - 20.99% - 29.99% variable See rates and fees.
- Annual fee - $195 See rates and fees.
- Foreign transaction fee - None See rates and fees.
- Intro APR offer - None
- Terms Apply
- See rates and fees.
- Best for: Frequent travelers and businesses seeking Hilton hotel benefits and a competitive rewards rate for travel and business-related expenses.
Marriott Bonvoy Business®Credit Card
- Rewards rate - Earn 6X points on eligible purchases at hotels participating in the Marriott Bonvoy program, 4X points on restaurants worldwide, U.S. gas stations, wireless phone services purchased directly from U.S. service providers and U.S. shipping purchases and 2X points on other purchases.
- Welcome offer - Limited-time offer: Earn 5 Free Night Awards (valued at up to 50,000 points each for eligible stays) after you spend $8,000 in your first 6 months of card membership (offer ends July 10, 2024)
- Regular APR - 20.99% - 29.99% variable See Rates and Fees
- Annual fee - $125 See Rates and Fees
- Foreign transaction fee - None See Rates and Fees
- Intro APR offer - None
- Terms Apply
- See Rates and Fees
- Best for: Business professionals and travelers loyal to the Marriott Bonvoy program, seeking diverse earning opportunities across hotel stays and everyday business expenses.
For rates and fees of The Hilton Honors American Express Business Card, please click here.
For rates and fees of the Marriott Bonvoy Business®Credit Card, please click here.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.