The AMEX Hilton Business Credit Card Review for 2020

The Hilton Honors Business Card offers the very best cardholder experience for Hilton-loyal business travelers.

Overview

Quick Summary

The Hilton Honors American Express Business Card offers unparalleled co-branded hotel rewards and perks—weekend stays, Priority Pass lounge access, and Hilton Honors Gold Status all ensure a stellar cardholder  experience. But is it worth its $95 annual fee?

Hilton Business Credit Card Rewards: Welcome Offer

This American Express business credit card offers a generous welcome bonus that requires a bit of spending on your part. You’ll earn 130,000 Hilton Honors Bonus Points when you spend $3,000 during your first three months with the card.

Hilton Business Credit Card Rewards: Ongoing Offer

The Hilton business credit card will also reward your spending with Hilton Honors Bonus Points. As you spend, you’ll earn at the following rates:

  • 12x points when you spend at Hilton portfolio hotels and resorts
  • 6x points when you spend:
    • At US gas stations
    • On US wireless telephone services
    • On US shipping purchases
    • At US restaurants
    • On flights booked through amextravel.com or directly with airlines
    • On rental cars booked directly from select companies
  • 3x points when you spend everywhere else

Keep in mind that, though the rewards rates for the Hilton business credit card might look extremely lucrative, Hilton Honors rewards tend to be worth less per point. The points you earn with the Hilton business credit card will vary depending on how you redeem them, but, generally speaking, they’re worth about a third of a cent per point.

Hilton Business Credit Card Annual Fee

To access all the perks that the Hilton business credit card offers its cardholders, you’ll have to pay an annual fee of $95.

As such, be sure to run the numbers to make sure the rewards you earn through the Hilton business credit card will recoup this annual cost.

Is the Hilton Business Credit Card Right for You?

Get the Hilton Business Credit Card if:

  • You often stay at Hilton hotels for business travel.
  • You want access to a travel rewards welcome bonus.

Skip the Hilton Business Credit Card if:

  • You want access to more general travel rewards.
  • You don’t want to pay an annual fee.

Why the American Express Hilton Business Credit Card?

Hilton Honors Gold Status

The first and most notable of the perks that you’ll access by becoming a Hilton business credit cardholder?

The automatic upgrade to Hilton Honors Gold Status.

Just within this single perk, you’ll be able to access multiple facets of value.

As a Hilton Honors Gold member, you’ll no longer have to pay for late checkout or a continental breakfast, and you’ll be able to earn even more points for the money you spend on Hilton stays.

Overall, the Gold Status that you’ll access through the Hilton business credit card will be one of the most valuable perks you’ll access should you opt for this card.

Two Weekend Nights Rewards

When you spend $15,000 or more on your Hilton business credit card during a calendar year, you’ll earn what Hilton Honors calls a Weekend Night Reward. Each Weekend Night Rewards is simply a redeemable code that you can use to book a free weekend night at any Hilton portfolio hotel.

After you spend an additional $45,000 in the same year—totalling $60,000 of spend on your Hilton business credit card in a calendar year—you’ll earn a second Weekend Night Reward.

10 Priority Pass Visits

Additionally, as a Hilton business credit cardholder, you’ll have 10 Priority Pass airport lounge visits per year. Now, Priority Pass visits will typically set you back around $27 each. So, if you run the numbers, you’ll be accessing $270 worth of airport lounge use just by being a Hilton business credit cardholder.

Potential to Upgrade to Diamond Status

Even more, you’ll easily be able to upgrade to the top tier of Hilton Honors membership—Hilton Honors Diamond status.

If you spend at least $40,000 on your Hilton business credit card in a given calendar year, then you’ll automatically upgrade from Gold to Diamond status. This upgrade will open up the doors to Hilton executive lounges and give you the power to gift your elite status.

No Foreign Transaction Fee

Last but not least, within its long list of luxury travel perks, the Hilton business credit card also offers a remarkably practical feature—no foreign transaction fees at all.

While other business credit cards will charge you up to 3% of each transaction you make abroad, the Hilton business credit card will waive this pesky fee. In turn, you’ll be able to save your business some serious cash in avoided charges.

Keep in Mind With the Hilton Business Credit Card

Annual Fee

The $95 annual fee that American Express charges for the Hilton Honors business credit card is one inevitable downside.

Put simply, having to pay an annual fee for a business credit card is an avoidable burden. In fact, there’s a whole host of business credit cards with no annual fee, and having an annual fee automatically makes the Hilton business credit card a less competitive offer.

Limited, Low-Value Rewards Radius

Not to mention, that the reward you earn with this Hilton business credit card will make up for the annual fee isn’t necessarily a given.

Put simply, the rewards you earn through the Hilton business credit card aren’t worth as much as other travel rewards. In fact, if you redeem your points for something other than a Hilton hotel stay, they could easily end up being worth as little as a tenth of a cent per point.

That said, you will be earning Hilton Honors Bonus Points at a much higher rate than you would with other, more valuable travel points. As such, the difference in value could potentially even out, especially if you use your points as hotel stays.

Top Alternatives to the AMEX Hilton Business Credit Card

Credit Card

Ink Business Preferred® Credit Card

Great For: Point redemption rewards
Apply Now
on Chase's secure website
  • 100,000 point signup bonus if you spend $15K in first 3 months
  • 3x or 1x points depending on how you spend
  • Intro APR

    -

  • Regular APR

    15.99%-20.99% Variable

  • Annual Fee

    $95

  • Minimum Credit

    700+

In This Review