Hilton Honors American Express Business Card Review: 12x Points for Your Stays

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When you own a business and travel often for work, having the right business credit card in your wallet can help you make the most of all those flights, hotel stays, and dinners out. And if you often stay at Hilton properties, you may be considering applying for the Hilton Honors American Express Business Card.

This credit card heavily rewards Hilton hotel spending and comes with unique travel perks that can help make busy travel days a lot more relaxing (spoiler: free airport lounge access is coming your way). That said, you need to be very loyal to Hilton to get the most out of this specific business credit card.

Quick Facts: Hilton Honors American Express Business Card

  • Rewards rate: 12x points for eligible hotel or resort spending with Hilton; 5x points on other purchases on the first $100,000 each calendar year (3x thereafter)
  • Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership)
  • Annual fee: $195 (rates and fees)

. . .

Overview of the Hilton Honors American Express Business Card

The main thing to understand about the Hilton Honors American Express Business Card is that it’s focused on rewarding travelers who frequently stay on Hilton properties.

To start, you automatically earn complimentary Hilton Honors Gold Status with this card, which grants you an 80% bonus on the Base Points you earn on every stay. You can also qualify for room upgrades at select properties and other perks.

If you enjoy traveling internationally, you can use this credit card to save some money, as it doesn’t charge foreign transaction fees.

This card does come with an annual fee, but it can be easily offset if you make regular Hilton purchases.

Pros

  • Generous welcome offer
  • Strong rewards structure for Hilton fans
  • Complimentary Hilton Honors Gold Status
  • Free night awards

Cons

  • No anniversary reward
  • Annual fee
  • Rewards are mostly limited to U.S. spending

Learn more about the Hilton Honors American Express Business Card.

Welcome Bonus

One of the best parts about getting a new credit card is that you can often qualify for an exciting welcome offer.

With the Hilton Honors American Express Business Card welcome offer, you can earn 130,000 Hilton Honors Bonus Points after you spend $6,000 within the first six months of having the card.

Earning Rewards 

You have the potential to earn a lot of rewards with the Hilton Honors American Express Business Card.

Here's how the points structure breaks down:

  • 12x points on eligible Hilton portfolio resorts or hotels
  • 5x points on other purchases on the first $100,000 each calendar year (3x thereafter)

As you can see, you'll benefit the most if you frequently stay at Hilton hotels or resorts, although you can also earn hefty rewards from regular business purchases.

Perks and Benefits

The Hilton Honors American Express Business Card is, of course, a Hilton credit card, so the best perks have to do with Hilton hotels.

Automatically, you qualify for Hilton Honors Gold Status just by having the card. Being at this level gives you an 80% bonus on Base Points you earn on every stay. You can also qualify for space-available room upgrades at select properties, among other benefits.

After you spend $15,000 in purchases on your card in a calendar year, you earn one Free Night Award at a Hilton property. To earn a second free night reward, you have to spend an additional $45,000 in the same calendar year. 

Once you qualify for a higher status, you can start to access even better benefits. To qualify for Hilton Honors Diamond Status, you need to spend $40,000 on eligible purchases made using the credit card in a calendar year.

Doing so will grant you perks like a 100% bonus on all Base Points you earn on every stay, premium wifi at select properties, and a daily food and beverage credit at select brands in the U.S. You also gain free executive lounge access once you reach Diamond Status. 

Learn more about the Hilton Honors American Express Business Card.

Who Should Get the Hilton Honors American Express Business Card?

If you travel a lot for business and book hotel stays at Hilton properties often, you can earn a lot of rewards and fun perks with the Hilton Honors American Express Business Card, like room upgrades.

But the neat thing about this card is you can enjoy its benefits even when you aren’t at your hotel — like when you can use the Priority Pass Select membership to enter airport lounges around the globe free of charge. 

If you are a heavy Hilton spender, you can even qualify for better membership status, which grants you even more helpful benefits. 

Who Shouldn’t Get the Hilton Honors American Express Business Card?

If you don’t often book Hilton hotel stays, you’re better off saving the annual fee on this card and searching for a credit card that will reward your typical spending habits. If you do travel a lot and are willing to be more loyal to this hotel chain, the card can be worth it, but you do have to commit to booking with Hilton for this credit card to make sense.

Even if you like Hilton hotels, you need to travel a decent amount to really take advantage of the 12x points per dollar on eligible Hilton portfolio resorts or hotels and perks like free nights and room upgrades.

Alternatives to the Hilton Honors American Express Business Card

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

Ink Business Preferred Credit Card

Small business owners who travel a lot but don’t care to only book hotel stays with Hilton can consider the Chase Ink Business Preferred® Credit Card. Both credit cards come with an annual fee, although the Hilton Amex's is much higher. 

You won’t earn Hilton rewards points with this credit card. Instead, you earn more general Chase Ultimate Rewards® points that you can then use to book hotel and airline stays with a multitude of travel partners. You can also redeem these points for things like car rentals. 

How you earn rewards with the Ink Business Preferred also differs. You can earn 3 points per dollar on the first $150,000 spent on travel and select business categories for each account anniversary year and 1 point per dollar on all other purchases.

Learn more about the Ink Business Preferred® Credit Card.

Hilton Honors American Express Business Card vs. Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business Credit Card

Do you prefer Marriott hotels to Hilton? If so, you may want to consider the Marriott Bonvoy Business® American Express® Card for booking business trips.

It comes with a lower annual fee than the Hilton Honors Amex, and you earn a free hotel stay each year without having to meet any spending thresholds. In many cases, this free stay can easily cancel out the cost of the annual fee. You just have to make sure you book the stay at a property costing 35,000 points or less.

With the Marriott Bonvoy Business Amex, you earn 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program. You also earn 4 points per dollar at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Plus, you’ll get 2 points per dollar on all other eligible purchases.

Learn more about the Marriott Bonvoy Business American Express® Card.

Hilton Honors American Express Business Card vs. Blue Business® Plus Credit Card from American Express

Blue Business Plus Credit Card

The Blue Business® Plus Credit Card from American Express makes it possible to earn Hilton points indirectly. Your Membership Rewards points can transfer to Hilton at a rate of 1 Membership Reward point to 2 Hilton Honors points. On special occasions, there are even transfer bonuses that increase that rate. 

It’s straightforward to earn points with the Blue Business Plus, which can simplify things. You earn 2 points per dollar on everyday business purchases up to the first $50,000 in purchases per year and then 1 point per dollar on all other purchases. There is no annual fee with this credit card either, which may better suit your spending habits.

That said, you won’t gain automatic Hilton Honors Gold Status like you would with the Hilton Honors American Express Business Card.

Learn more about the Blue Business® Plus Credit Card from American Express.

Final Thoughts

If you're a big fan of Hilton hotels, you can benefit significantly from the Hilton Honors American Express Business Card. Scoring 12x points on Hilton spending is a pretty impressive rate, so those work trips could easily add up if it's your preferred place to stay.

However, if you're not loyal to the Hilton brand or would prefer more variety in your hotel choices, you may want to go with a more general travel business credit card that still earns solid rewards and perks, but without the brand-focused spending requirements.


Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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I'm an award-winning lawyer and personal finance expert featured in Inc. Magazine, CNBC, the Today Show, Business Insider and more. My mission is to make personal finance accessible for everyone. As the largest financial influencer in the world, I'm connected to a community of over 20 million followers across TikTok, Instagram, YouTube, Facebook and Twitter. I'm also the host of the podcast Erika Taught Me. You might recognize me from my viral tagline, "I read the fine print so you don't have to!"

I'm a graduate of Georgetown Law, where I founded the Georgetown Law Entrepreneurship Club, and the University of Notre Dame. I discovered my passion for personal finance after realizing I was drowning in over $200,000 of student debt and needed to take action-ultimately paying off my student loans in under 2 years. I then spent years as a corporate lawyer representing Fortune 500 companies, but I quit because I realized I wanted to have an impact; I wanted to help real people and teach them that you can create a financial future for yourself.

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Advertiser Disclosure

Our aim is to help you make financial decisions with confidence through our objective article content and reviews. Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. This in no way affects our recommendations or article content.

Advertiser Disclosure

Our aim is to help you make financial decisions with confidence through our objective article content and reviews. Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. This in no way affects our recommendations or article content.