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Review: Is the Hilton Honors American Express Business Card the best credit card for you?
There are only a handful of hotel credit cards on the market that are geared toward small-business owners, but if you’re looking to earn Hilton points, you’re in luck.
But if you can qualify for a small-business credit card,
Read more: The best small-business credit cards of 2021
In fact, it’s got the broadest range of bonus spending categories of any Hilton card, and comes with up to two free weekend night certificates each year if you meet spending thresholds.
It’s also currently offering a limited-time bonus:
Keep in mind you don’t necessarily need a Hilton-branded credit card to earn Hilton points. Hilton Honors is an American Express Membership Rewards partner, which means you can transfer Amex points to Hilton at a 1:2 ratio from cards like
Comparison: Amex Hilton Business vs other Hilton cards
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Annual fee |
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Rewards rate |
12 points per dollar spent on eligible purchases at Hilton hotels 6 points per dollar spent on select business purchases: U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, and U.S purchases for shipping 6 points per dollar spent on select travel purchases: U.S. restaurants, flights booked directly with airlines or Amex Travel, and car rentals booked with select car rental companies 3 points per dollar on all other eligible purchases |
7 points per dollar spent on eligible purchases at Hilton hotels 5 points per dollar spent at eligible U.S. restaurants, U.S. supermarkets, and U.S. gas stations 3 points per dollar on all other eligible purchases |
12 points per dollar spent on eligible purchases at Hilton hotels 6 points per dollar spent at eligible U.S. restaurants, U.S. supermarkets, and U.S. gas stations 3 points per dollar on all other eligible purchases |
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Welcome bonus |
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Travel benefits |
Hilton Gold elite status Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar year Free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year A second free weekend night award if you spend a total of $60,000 or more in a calendar year Priority Pass Select airport lounge membership** with 10 free visits per year |
Hilton Silver elite status Upgrade to Gold status after you spend $20,000 on eligible purchases in a calendar year |
Hilton Gold elite status Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar year Free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year Priority Pass Select airport lounge membership** with 10 free visits per year |
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Other card benefits |
Secondary car rental insurance Baggage insurance plan Global Assist Hotline Purchase protection Extended warranty Access to discounts and bonus points through Amex Offers** |
Secondary car rental insurance Global Assist Hotline Purchase protection Extended warranty Access to discounts and bonus points through Amex Offers |
Secondary car rental insurance Baggage insurance plan Global Assist Hotline Purchase protection Extended warranty Access to discounts and bonus points through Amex Offers |
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Foreign transaction fee |
No |
No |
No |
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Learn more |
American Express Hilton Business vs other small-business hotel credit cards
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Annual fee |
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Rewards rate |
12 points per dollar spent on eligible purchases at Hilton hotels 6 points per dollar spent at U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, and on U.S purchases for shipping 6 points per dollar spent at U.S. restaurants, flights booked directly with airlines or Amex Travel, and car rentals booked with select car rental companies 3 points per dollar on all other eligible purchases |
6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy™ program 4 points per dollar on eligible purchases at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. shipping purchases 2 points per dollar on all other eligible purchases |
8 points per dollar on eligible Wyndham purchases and on gas, 5 points per dollar on marketing, advertising, and utilities 1 point per dollar on all other eligible purchases (excluding Wyndham Timeshare resorts down payments) |
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Welcome bonus |
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Travel benefits |
Hilton Gold elite status Upgrade to Diamond status after you spend $40,000 on eligible purchases in a calendar year Free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year A second free weekend night award if you spend a total of $60,000 or more in a calendar year Priority Pass Select airport lounge membership** with 10 free visits per year |
Marriott Bonvoy Silver elite status Annual free night award* A second free night award if you spend $60,000 or more in a calendar year* 15 elite night credits each calendar year |
Wyndham Rewards Diamond elite status 15,000 points each card anniversary (enough for up to two free nights) 10% discount on award nights Booking discount on paid stays |
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Other card benefits |
Secondary car rental insurance Baggage insurance plan Global Assist Hotline Purchase protection Extended warranty Access to discounts and bonus points through Amex Offers |
Secondary car rental insurance Baggage insurance plan Global Assist Hotline Purchase protection Extended warranty Access to discounts and bonus points through Amex Offers |
Extended warranty Visa SavingsEdge discounts |
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Foreign transaction fee |
No |
No |
No |
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Learn more |
3 Wyndham Rewards credit cards are offering elevated welcome bonuses |
*the
How to earn points with the Amex Hilton Business card
Cardholders earn points at the following rates:
- 12x points on purchases made directly with hotels and resorts in the Hilton portfolio
- 6x points on select business purchases: U.S. gas stations, wireless telephone services purchases directly from U.S. service providers, and on U.S purchases for shipping
- 6x points on select travel purchases: U.S. restaurants, flights booked directly with airlines or Amex Travel, and car rentals booked with select car rental companies
Keep in mind the 12x points at eligible Hilton hotels are in addition to the points you’d normally earn from staying with Hilton (10x points at most Hilton brands except Home2Suites and Tru by Hilton, which earn 5x). And because the card comes with automatic Hilton Gold elite status, you’ll earn 80% bonus points on paid stays (18 points per dollar at most Hilton properties).
Read more: How to earn, redeem, and maximize Hilton Honors points
All told, between the points you’ll earn from the card, regular points earning at Hilton hotels, and the Gold elite bonus, you’ll earn 30 points per dollar when you use the card to pay for most Hilton hotel stays.
How to use Hilton points
You’ve got a number of options for redeeming Hilton points, but you’ll usually get the most value by using points for award nights at Hilton hotels.
Hilton doesn’t have an official award chart, and the number of points required varies at individual hotels based on demand and season. The cheapest Hilton hotels start at 5,000 points per night and (with a few exceptions) top out at 95,000 points per night.
You can stretch your points for more nights by combining points and money for award stays, or by taking advantage of Hilton’s fifth-night free benefit for elite members. This perk allows you to book five consecutive standard award nights and effectively get a 20% discount on the points required.
Because
Read more: The best Hilton credit cards in 2021
Other ways to use Hilton points include cashing them in for Amazon purchases, redeeming them for experiences, or trading them in for airline miles, Lyft rides, merchandise, and charity donations. You’ll typically receive a lower value for your points when you redeem this way.
Hilton Business card benefits and features
Automatic Hilton Gold elite status
Cardholders receive Hilton Gold status as long as their card is open and in good standing. Hilton’s mid-level elite tier comes with surprisingly good benefits, including:
- Free continental breakfast
- Room upgrades when available
- Fifth night free on award stays of five nights or more
- 80% points bonus on paid stays
- Free bottled water
- Elite rollover nights
Read more: 11 credit cards that get you hotel elite status just by having them in your wallet
If you spend $40,000 or more on eligible purchases in a calendar year with
Priority Pass airport lounge access
When you have
Free weekend night certificates
When you spend $15,000 or more on eligible purchases in a calendar year with
Read more: 7 luxurious ways to redeem Amex Hilton free weekend night certificates
The certificate is usually only valid on Friday, Saturday, or Sunday nights, but due to the pandemic, unexpired certificates issued in 2020 or 2021 can be used on any night of the week.
You’ll also earn a second free weekend night certificate if you spend a total of $60,000 with your card in a calendar year, and again, it’s valid at almost any Hilton hotel.
Car rental insurance
When you pay for your car rental with
Baggage insurance plan
If you pay for a covered trip with
There are exclusions for high-risk items and some states have different limits, so check the terms and conditions for specific details.
Purchase protection
When you pay for an eligible item with
Extended warranty
Global Assist Hotline
This service can provide help with issues like translation services, missing luggage, and emergency legal and medical referrals, and lost passports, but you’ll be responsible for any third-party costs.
Fees and costs
Read more: The best credit cards with no foreign transaction fees
It’s a good choice to take with you if you’re traveling internationally, because it doesn’t charge foreign transaction fees. However, like most cards, there are fees for late payments, returned payments, and cash advances.
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