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Hilton Honors American Express Business Card Review

Hilton Honors American Express Business Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Jun 26, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Business travelers who are loyal to Hilton hotels can find value in The Hilton Honors American Express Business Card, which charges a $95 annual fee. It earns rewards for purchase categories such as gas stations, flights and restaurants and offers helpful benefits including complimentary Hilton Honors Gold status and the ability to earn free weekend nights.

Hilton has 18 brands that fit into any company’s travel budget, such as the luxurious Waldorf Astoria Hotels & Resorts, the upscale Embassy Suites by Hilton and the midscale Hampton Inn. It covers more than 6,100 properties in 118 countries. However, businesses that want more flexibility might prefer a card such as the Ink Business Preferred℠ Credit Card, issued by Chase. We’ll break down what The Hilton Honors American Express Business Card offers and examine the two cards side by side.

To see rates & fees for Hilton Honors American Express Card please click here.

The Hilton Honors American Express Business Card pros

Strong welcome offer. Cardholders can earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.

Read: Best Credit Card Sign-Up Bonuses

Higher rewards in top categories. For ongoing rewards, this card offers 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply. Purchases that may be eligible for 6X points include:

  • Gas stations in the United States.
  • Wireless telephone services purchased directly from U.S. service providers.
  • U.S. purchases for shipping.
  • Flights booked directly with airlines or with Amex Travel.
  • Car rentals booked directly from select car rental companies.

Redemption options include hotel stays, Hilton experiences, Lyft rides, shopping and rental cars.

Transfer your Hilton Honors points. You can exchange points and miles with more than 30 participating airline, rail and mileage rewards programs worldwide. You can also exchange points between your Hilton Honors account and an American Express or Diners Club card.

Read: Credit Cards with Airline Mile Transfer Features

Gold and Diamond status. Hilton Honors Gold status is complimentary with your card. Gold status comes with several benefits, including:

  • 80% bonus points on stays.
  • Space-available room upgrades.
  • Free continental breakfast.

You can earn Diamond status by spending $40,000 in a calendar year on your card. Diamond status offers a wide range of benefits, including:

  • 100% bonus points on stays.
  • Executive lounge access.
  • Premium Wi-Fi.
  • 48-hour room guarantee.

Earn free nights. Cardholders can earn a weekend night from Hilton Honors after spending $15,000 on the card in a calendar year. And there’s a second weekend night available after spending $60,000 during the year (an additional $45,000 on top of the original $15,000 spent).

Additional benefits of The Hilton Honors American Express Business Card include:

  • 10 free visits each year to Priority Pass airport lounges.
  • Free employee credit cards.
  • Amex Offers, with deals on shopping, dining, travel and more.
  • Baggage insurance plan for carry-on and checked luggage.
  • Global Assist Hotline when traveling more than 100 miles from home.
  • Car rental loss and damage insurance (secondary coverage).

Read: Credit Cards with Unlimited Lounge Access

No foreign transaction fee. If business takes you abroad, you can swipe this card without worrying about an extra fee on every purchase – there is none.

The Hilton Honors American Express Business Card cons

Annual fee. It’s $95 a year to carry The Hilton Honors American Express Business Card.

Cost for free nights. They’re called “free weekend nights,” but to earn them, you have to hit a certain spending amount each calendar year. You’ll earn the first free night after spending $15,000 and the second free night after spending an additional $45,000 (for a total of $60,000).

The rooms are standard and can only be booked for Friday, Saturday and Sunday stays.

Points may not transfer at 1:1 value. For example, if you want to exchange your Hilton Honors points for Delta miles, 10,000 points will equal 1,000 miles.

Cost to upgrade to Diamond status. Cardholders get Hilton Honors Gold status just by having The Hilton Honors American Express Business Card. But to get Hilton Honors Diamond status, you’ll have to spend $40,000 on your card in a calendar year.

Compare it with the Ink Business Preferred℠ Credit Card

If you don’t want to tie your rewards to the Hilton Honors program, a better card for your business might be the Ink Business Preferred℠ Credit Card. Here’s how it compares:

The Hilton Honors American Express Business Card vs. the Ink Business Preferred℠ Credit Card

 The Hilton Honors American Express Business CardInk Business Preferred℠ Credit Card
Welcome offer130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Rewards12x at hotels and resorts in the hilton portfolio, 6x on select business & travel purchases, 3x everywhere else. terms & limitations apply.Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Annual fee$95$95
Foreign transactionNone$0
Regular purchase APR15.74% - 24.74% variable15.99%-20.99% variable

  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards

Highlights
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

See additional details for Ink Business Preferred℠ Credit Card

More Info

Where the Ink Business Preferred℠ Credit Card stands out is the flexibility of the Chase Ultimate Rewards® points it earns. Points can be redeemed for travel through the Chase Ultimate Rewards® portal, in which case they’re worth 25% more – for example, 100,000 points are worth $1,250 toward travel. And points can also be transferred at a 1:1 value to the following partners:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue Air France KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club
  • IHG® Rewards Club
  • Marriott Bonvoy
  • World of Hyatt™

The Ink Business Preferred℠ Credit Card also offers helpful travel and purchase benefits:

  • Trip cancellation and trip interruption insurance.
  • Roadside dispatch (you’ll likely incur a fee for services).
  • Auto rental collision damage waiver (primary when renting for business purposes).
  • Cell phone protection of up to $600 per claim with a $100 deductible.
  • Purchase protection.
  • Extended warranty protection.

And the Ink Business Preferred℠ Credit Card offers free employee cards, too.

Is The Hilton Honors American Express Business Card right for you?

The Hilton Honors American Express Business Card offers generous rewards and helpful benefits for small businesses. If you and your employees frequent Hilton hotels when on the road, you may well get enough value from this card to make it worth the $95 annual fee.

But if you don’t want to be tied to Hilton-branded hotels, and you want to be sure if you transfer points that you’re getting a 1:1 value, the Ink Business Preferred℠ Credit Card is a better choice. The annual fee is also $95, and you have much more flexibility in how you use your rewards.

Read: Best Small Business Credit Cards


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