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The Hilton Honors American Express Business Card

Credit needed
Good
APR
15.74%-24.74%
Annual Fee
$95

Card Summary

For business travelers who frequently travel, the Hilton Honors American Express Business Card is a great option. However, the $95 annual fees can reduce the benefits of the bonus points.

You can earn 12 points for every dollar you spend at Hilton hotels or resorts, and six points for certain business travel expenses. Other purchases earn 3 points per $1 After spending $2,000 within the first 3 months, you can earn 130,000 Hilton Honors bonus points.

You can also earn an additional 10,000 Hilton Honors bonus points if you make a minimum of $10,000 on your Card purchases within the first six months.

After spending $15,000, you could receive a weekend stay at a Hilton property for free. You can also earn another weekend night accommodation in an eligible Hilton property for your second weekend.

Hilton Honors Diamond status is available to those who spend $40,000 within a given calendar year. This allows you to receive perks like room upgrades and free meals, as well as access to executive lounges. Business customers can get hefty rewards for everyday purchases.

However, make sure that you are paying the $95 annually fee. Also keep in mind the high annual percentage rates. This card may not suit you if you carry an excessive amount of balance.

The pros:

You can earn up to 12 Hilton Honors Points per dollar.

A good introductory bonus.

No foreign transaction fee.

Free weekend night rewards.

Card Summary - Cons

Annual fee of $95 earns no cash back. Potentially very high APR.

Hilton Hotels are frequented by business owners.

Companies that are very expensive on fuel, transportation, meals, food, and telephone service will be criticized.

Customers who would prefer cashback to bonus points.

It's not great for:

Managers of fee-averse businesses Companies that don't need to travel for work.

Hilton Honors Bonus points are for card users looking to get more options in rewards.

Cardholders who have a balance.

Rates and fees

Issuer Name
American Express
Penalty APR
Variable: 29.24%
Credit Needed
Good
Balance Transfer Fee
N/A
Annual Fee
$95
Cash Advance Fee
The cash advance amount can be either $5 or 3%, depending on which is higher.
APR
15.74%-24.74%
Foreign Transaction Fee
None
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The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

Receive up to 180,000 Hilton Honors bonus points as a welcome offer. After spending $2,000 on Hilton Honors Business Card purchases, you will earn 130,000 bonus points.

You can also earn 50,000 Hilton Honors bonus points after spending $10,000 on your Card purchases in the first six months.

Hilton Honors bonus points are earned for every dollar spent on eligible purchases with your card:

12X in hotels and resorts within the Hilton portfolio;
6X on select business & travel purchases,
3X on other eligible purchases. These terms and conditions apply.

Hilton Honors Gold status is included with every Hilton Honors business card.

Hilton Honors offers a weekend night reward for purchases of $15,000 on the Card within a calendar year.

Hilton Honors offers a Weekend Night Reward for purchases of $45,000 or more on the Card. These terms and conditions apply.

Benefits

Comparative Analysis with Other Cards

You can earn rewards with the Hilton Honors American Express business card These are all the benefits you will earn by this card. All rewards come in Hilton Honors bonus points: Spend a dollar directly at Hilton Hotels and Resorts to earn 12 points Six points per $1 at U.S. restaurants and gas stations, six points for every dollar you spend on wireless phone services monthly from U.S service providers. Shipping within the U.S. earns 6 points for every dollar.

Six points for every dollar you spend on flight bookings directly with the airlines, American Express Travel or car rental booked through select rental companies. All other eligible purchases earn 3 points per $1.

If you are a fan of Hilton Honors and have a large number of high-earning category purchases, this rewards system can be a good fit. However, it might not appeal to you if there are restrictions on categories. This is especially true if your travels take you internationally. Restaurants in the United States are eligible for the six point restaurant bonus.

However, U.S. restaurants located in foreign countries do not qualify. The majority of purchases only earn three points per $1. Customers who spend $2,000 within their first 3 months of card ownership will receive an initial bonus of 130,000 Hilton Honors Points.

You can also earn an additional 10,000 Hilton Honors bonus points if you make a minimum of $2,000 in Card purchases within the first six months. This benefit starts to accrue from the day your account approval is granted, and not the time you receive your card by mail.

How To Redeem Rewards:

Hilton Honors bonus points can be used to redeem for various rewards, experiences and benefits, such as free nights in Hilton hotels, VIP access at sporting events and concerts, and more.

Points can be used to purchase Lyft rides, or for shopping on Amazon and Hilton's online stores. Hilton points can be used to rent a car from Alamo National, Enterprise and National. Hilton partners allow you to convert points into airline miles.

What is the APR for Hilton Honors American Express Business Card?

The variable APR for the Hilton Honors American Express Business Card is determined by your creditworthiness. It can range from 12.49% plus the prime rate to 21.49% plus the prime rate. If you fail to pay the minimum payments or miss two or more due dates, your penalty APR may increase to the prime rate plus 24.99% for 12 months. The prime rate plus 21.99% is also higher for cash advances.

How much is the Hilton Honors American Express Business Card charged?

Annual fee: $95. No foreign transaction fee.

Cash advance fees: Minimum $5, or 3%.

Late Payment Fee: $39 or less than the minimum payment.

Return payment fee: $39 fee for returns payments.

Comparative Analysis with Other Cards

Hilton Honors American Express Business Card vs. Ink Business Preferred Credit Card

Annual Fee: Each card has a $95 fee.

Reward: The Hilton Honors American Express Business Card offers points earning at the following rates: 12 for every dollar spent at Hilton Hotels and Resorts; six for every dollar at U.S. Gas Stations and Restaurants; six for each dollar spent using U.S. Wireless Phone Services and six to six dollars spent on U.S. Shipping. Six per cent per $1 spent on U.S. flights, including those booked through American Express Travel or airlines, six at selected rental car companies, and six at least six at all other purchases. For every $150,000 you spend on travel, shipping and qualified advertising, the Ink Business Preferred Credit Card gives you three points per dollar. All other purchases earn you one point.

Sign-up offer: Hilton Honors American Express Business Card: Welcome Offer! Cardholders can earn 130,000 bonus point by spending $2,000 within their first 3 months. You can also earn 50,000 Hilton Honors bonus points after spending $10,000 on your Card purchases within the first six months. Ink Business Preferred Credit Card holders can get 100,000 bonus points for spending $15,000 within the first 3 months.

Benefits: Hilton Honors American Express Business Card offers benefits such as car rental insurance and purchase protection. There are also travel perks like complimentary nights in Hilton Hotels and passes to airport lounges. You can call a hotline 24/7 for assistance, if you are traveling more than 100 miles away from your home. Cardholders of the Ink Business Preferred Credit Card have access to benefits such as purchase protection, cell phone protection, and waivers for rental car collision damage.

Hilton Honors American Express Business Card vs. Amazon Business Prime American Express Card

Annual Fee: The Hilton Honors American Express Business Card has a $95 fee. However, the Amazon Business Prime American Express Card doesn't have an annual fee.

Reward: The Hilton Honors American Express Business Card will give you between 3 and 12 Hilton Honors bonus points per dollar. You'll get 12 points for spending directly at Hilton properties and six points for travel and business purchases. All other purchases earn three points. Amazon Prime members who are eligible earn five points each dollar for their first $120,000 spent with Amazon Business, Amazon Web Services and Whole Foods.

The card earns 2 points per dollar for eligible gas, dining, and telephone service spending, as well as 1 point per dollar for all other eligible purchases.

Sign-up offer: Receive a welcome offer. You will earn 130,000 bonus point if your first 3 months are spent with the Hilton Honors American Express Business Card. You can also earn 50,000 Hilton Honors bonus points after spending $10,000 on your Card within the first six months. After approval, the Amazon Business Prime American Express Card will give you a $125 Amazon.com Gift Card.

Benefits: With the Hilton Honors American Express Business Card, you get car rental damage and insurance as well as purchase protection. You also have travel benefits like free Hilton hotel nights and access to airport lounges.

Amazon Business Prime American Express Card offers perks such as purchase protection and car rental loss/damage insurance. You also have access to insight on expenses using Amazon Business tools. You'll have access 24/7 to an emergency hotline and other services for those who travel over 100 miles. Amex Offers allows cardholders to earn rewards for dining and travel.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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