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  • The Hilton Honors American Express Business Card

    Great for earning Hilton Honors points

    • 3–12 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $95Annual Fee
    • Good–ExcellentRecommended Credit
    The Hilton Honors American Express Business Card

    Terms, rates and fees apply

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 12 points per dollar on direct Hilton hotel purchases, six points per dollar on select business and travel purchases, three points per dollar on other eligible purchases
  • Welcome offer - Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first three months
  • Regular APR - 20.99% - 29.99% Variable (See rates and fees)
  • Annual fee - $95 (See rates and fees)
  • Foreign transaction fee - None (See rates and fees)
  • Intro APR offer - None
  • Terms Apply

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.

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    Welcome Offer

    The welcome offer for this card is quite competitive. By spending $3,000 within the first three months of opening the account, you can earn 130,000 Hilton Honors points — 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.

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    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.

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    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 all 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.

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    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.

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    Annual Fee

    This card comes with a modest annual fee of $95. 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
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The Hilton Honors American Express Business Card

  • Rewards rate - Earn 12 points per dollar on direct Hilton hotel purchases, six points per dollar on select business and travel purchases, three points per dollar on other eligible purchases
  • Welcome offer - Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first three months
  • Regular APR - 20.99% - 29.99% Variable (See rates and fees)
  • Annual fee - $95 (See rates and fees)
  • Foreign transaction fee - None (https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-american-express-business-credit-card/42732-9-0?rwdFlag=rwd/?rwdFlag=rwd#FeeTableSee rates and fees)
  • Intro APR offer - None
  • Best for: Frequent travelers and businesses seeking Hilton hotel benefits and a competitive rewards rate for travel and business-related expenses.
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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 - Earn 125,000 Bonus Marriott Bonvoy points after you use your new card to make $8,000 in purchases within the first six months.
  • Regular APR - 20.99% - 29.99% Variable
  • Annual fee - $125
  • Foreign transaction fee - None
  • Intro APR offer - None
  • Best for: Business professionals and travelers loyal to the Marriott Bonvoy program, seeking diverse earning opportunities across hotel stays and everyday business expenses.

About Grace Pilling

Grace Pilling headshot

Grace Pilling is passionate about empowering readers to make informed financial choices to support their best lives, not a company’s bottom line. Prior to joining MoneyGeek as a senior content manager, Grace was a senior editor at CreditCards.com and Bankrate, where she focused on teaching people how to use credit cards wisely.

*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.
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