Hilton Honors American Express® Business Card Review

Hunting for a business credit card with travel perks can get overwhelming, but you’re in luck. If you’re a fan of Hilton hotels, the Hilton Honors American Express® Business Card could be right for you. Honestly, even if you aren’t currently a Hilton devotee but think you could turn into one, you should check out this card. The rewards are nearly unbelievable when you find out that the annual fee is so low.

Typically, for a card with such amazing perks, you would need to pay at least $295 per year for it, and often much more. But this card’s fee is extremely affordable compared to its benefits. Let’s take a closer look.

Down to business with the Hilton Honors American Express Business Card

It helps to highlight the fundamentals of each card before diving into the deep end. We detail what you need to know about the Hilton Honors American Express Business Card to help you decide.

  • APR: 17.24%-26.24% variable
  • Annual Fee: $95
  • Reward Rates: Earn 12x Hilton Honors Bonus Points on purchases made directly with hotels and resorts within Hilton’s portfolio and 6x Hilton Honors Bonus Points on specific travel and business expenses. On all other purchases, earn 3x the points.
  • Intro Offer: Gain 125,000 Hilton Honors Bonus Points after spending $3,000 in the first three months after opening the card.

Perks and features of the Hilton Honors American Express Business Card 

This Hilton Honors card not only has a higher rewards rate than most of its competitors, but it also offers several excellent benefits on top of that.

  • Complimentary Hilton Honors Gold Status. As soon as you become a cardholder, you’ll receive Gold Status through Hilton Honors. This status gives you perks like space-available upgrades and the opportunity to earn an 80% bonus on all base points.
  • Free hotel nights. If you spend $15,000 on your card in one year, you receive a free weekend night at a Hilton hotel, and you’ll get a second one if you spend $60,000.
  • Airport lounge access. Receive ten free passes to over 1,000 Priority Pass airport lounges each year.
  • No foreign transaction fee. When you use your card abroad, you don’t have to pay any foreign exchange fees. This lack of a fee saves you from spending extra money merely to use your card.
  • Employee cards at no additional cost. Get cards for your employees for free that also earn rewards. Also, you can monitor employee spending easily from the American Express platform.

Is the Hilton Honors American Express Business Card right for my business?

To decide whether or not the Hilton Honors card is right for you and your employees, ask yourself one question — do I like Hilton hotels enough to make it the principal place I stay? If you answered yes, or you could be persuaded to become a Hilton enthusiast, this card could work well for you. Of course, it’s best for business owners who travel often enough to maximize the rewards.

You get the most points by using the card for Hilton purchases, making an ideal cardholder someone who already pays for hotel rooms frequently throughout the year. However, even if you don’t use hotel rooms often, you will also earn a whopping 6x rewards on business and travel expenses that you will likely be spending on already. These expenses include U.S. restaurants and gas stations, shipping costs, wireless phone service and car rentals booked directly from the rental company.

Furthermore, you’ll get 3x the points on all other purchases. That alone is a better rewards rate than many cards offer overall.

However, even this fantastic card might not work for everyone. If you’re a person who never needs to travel, you won’t find much use out of the Hilton points you’d earn or the travel perks you’d receive. Additionally, a business owner who prefers a cash back or non-travel rewards program might find a better fit with a different card.

For someone hoping for a great cash back rewards credit card for their business, you could look into the Capital One Spark Cash card. You get an unlimited 2% cash back on all purchases and pay no annual fee for the first year. After that, the yearly fee is the same, at $95. Additionally, you could earn up to $2,000 cash back when you sign up. You make $500 after spending $5,000 in the first three months and $1,500 when you spend $50,000 in the first six months. Granted, $50,000 might be a bit of a stretch for a small business owner to spend in six months, but for those who are already planning to rack up those expenses, you might as well earn cash back on them. The APR of 18.74% is also a bit lower on this card than some others.

The bottom line

Signing up for the Hilton Honors American Express Business Card is almost a no-brainer for a business owner who already stays at Hilton hotels regularly. Even if you only used the card to get ten free airport lounge visits, it would likely make the $95 annual fee worth it. For frequent travelers, this card could bump up the luxury level of your trips with free room upgrades and other benefits that come with being an automatic Hilton Gold Status member.

Overall, the Hilton Honors card is worth checking out for business owners who travel frequently and are happy to stay at a hotel that is part of the Hilton brand.