Hilton Honors Amex Business card review: Elite perks on a budget

The Hilton Honors American Express Business Card is a helpful lodge enterprise card. With mid-tier Hilton Gold elite standing, automobile rental standing and nice earnings on Hilton purchases, it offers premium advantages (enrollment required for choose advantages; phrases apply). If Hilton is your organization’s lodge chain of alternative, this card could possibly be a worthwhile addition to your pockets. Card ranking*: ⭐⭐⭐

*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Hilton Amex Business card is made for small-business house owners, however you do not want a bustling workplace or dozens of workers to use. A facet hustle or consulting gig that requires journey is greater than sufficient to qualify for a small-business card.

Among the finest perks of the Hilton Enterprise card is its automatic Hilton Gold elite status. From each day meals and beverage credit to room upgrades (based mostly on availability), this card can present significant advantages proper from the beginning. Phrases apply.

With a $195 annual payment (see rates and fees), the cardboard is not going to interrupt the financial institution for many. Candidates accepted for the Hilton Amex Enterprise usually have a credit score of at the very least 670.

Let’s study the Hilton Amex Enterprise card in additional element that will help you resolve whether or not it is the precise lodge card in your pockets.

New Hilton Amex Business cardmembers can earn 150,000 bonus factors after spending $8,000 inside the first six months from account opening, plus an extra 25,000 bonus factors after spending one other $2,000 in the course of the first six months of card membership. Provide ends Aug 13.

Based on TPG’s June 2025 valuations, the 175,000 bonus factors are price $875.

This supply comes very near the best offer we have seen on the cardboard and is price making use of for. In any case, it is solely 5,000 bonus factors lower than the very best supply and $2,000 much less for the minimal spend requirement.

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Needless to say Amex has a “once per lifetime” policy on card provides and states the next:

You will not be eligible to obtain a welcome supply you probably have or have had this Card or earlier variations of this Card. You additionally will not be eligible to obtain a welcome supply based mostly on varied elements, akin to your historical past with bank card steadiness transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve opened and closed and different elements. In case you are not eligible for a welcome supply, we are going to notify you previous to processing your software so you will have the choice to withdraw your software.

Associated: The best credit card welcome bonuses available

The Hilton Amex Business provides quite a lot of advantages and perks for $195 every year. Enrollment is required for choose advantages; phrases apply.

• As much as $240 in statement credits each calendar yr: Earn as much as $60 every quarter in assertion credit for eligible Hilton purchases. Eligible purchases embrace room reservations at Hilton properties and incidental expenses akin to dinner or spa therapies.
• Complimentary Nationwide Automobile Rental elite standing: Cardmembers obtain National Car Rental Emerald Club Executive status. Advantages embrace assured upgrades, entry to Govt Space automobiles and no second driver charges.
• Complimentary Hilton Honors Gold elite status: With Gold standing, you will earn an 80% factors bonus on Hilton stays, the fifth evening free on award redemptions, elite tier rollover nights, complimentary breakfast or meals and beverage credit, room upgrades (when out there) and extra.
• Improve to Diamond standing: You’ll be able to attain Diamond elite standing by the top of the subsequent calendar yr after spending $40,000 along with your card in a calendar yr. Diamond status comes with much more advantages, akin to higher upgrades (when out there), govt lounge entry, a 48-hour room assure and extra — although if you would like this tier of standing, you are probably higher off making use of for the Hilton Honors American Express Aspire Card, which provides Diamond standing as a built-in perk.
• Journey protections: Baggage insurance coverage*, secondary automobile rental loss and injury insurance coverage**, entry to the Global Assist Hotline# and extended warranty* and purchase protection* advantages can be found to cardmembers.
• Expense administration instruments: As a enterprise cardmember, you will have entry to instruments like QuickBooks integration, Vendor Pay by Invoice.com and extra.

The data for the Hilton Amex Aspire card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Whereas this is not a stellar set of advantages, they’re acceptable for the annual payment. That mentioned, this card can be arduous to justify paying for every year if you happen to do not stick with Hilton at the very least a few occasions yearly.

When you do not anticipate having the ability to benefit from the total as much as $240 Hilton assertion credit score every calendar yr (as much as $60 every quarter), then I counsel contemplating one other hotel-cobranded enterprise card.

*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.

**Eligibility and profit degree varies by card. Not all car varieties or leases are coated, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Specific Journey Associated Companies Firm, Inc.

#Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.

Associated: Your complete guide to shopping protections on American Express cards

With the Hilton Amex Business card, you will earn 12 factors per greenback spent at Hilton Accommodations and Resorts — a 6% return on spending in keeping with TPG’s June 2025 valuations.

You may additionally earn 5 factors per greenback spent on all other eligible purchases (as much as $100,000 every calendar yr, then 3 factors per greenback spent after that).

As with Hilton’s other credit cards, you will get the very best return on Hilton purchases. You may get a 1.5%-2.5% return on spending in your different business-related spending based mostly on our valuations.

Different playing cards supply higher worth, such because the American Express® Business Gold Card or the Ink Business Preferred® Credit Card (see rates and fees).

Since Amex Membership Rewards means that you can switch factors to Hilton, the Amex Enterprise Gold is usually a nice complement or different to the Hilton Amex Enterprise card.

Associated: How to pick a strategy for your small-business credit cards

You’ll be able to redeem your Hilton Honors points in a number of methods. Lodge redemptions supply the very best worth, whereas Hilton occasion reductions, Hilton Honors Experiences and Amazon purchases supply poor worth.

Whereas Hilton Honors does not have a printed award chart, the Points Explorer tool can present you the award redemption worth vary over the subsequent 30 days. This may also help you recognize what to anticipate when contemplating places for utilizing your factors.

TPG contributing editor Matt Moffitt likes to redeem his Hilton Honors factors to e-book three- and four-star inns overseas. These properties have a tendency to supply the next redemption worth than these within the U.S.

He goals to book five-night stays, as he solely must pay for 4, because of the elite standing that comes along with his Hilton cobranded playing cards.

Associated: Ultimate guide to the Hilton Honors loyalty program

Hilton provides a number of airline switch companions, together with notable choices like Air France-KLM, British Airways, Delta Air Lines and United.

Hilton factors usually switch at a poor charge; for instance, when transferring to United, you will solely obtain 1,000 MileagePlus miles in change for 10,000 Hilton Honors factors.

Given the poor worth of this redemption choice, I do not suggest utilizing your Hilton factors for airline transfers. Even when that you must high off your airline rewards steadiness, there’s probably a greater and extra value-conscious method to do it.

Associated: From the Florida Keys to the Maldives: 7 great ways to use 130,000 Hilton Honors points and a free night reward

The Hilton Amex Business card is Hilton’s solely enterprise card. Nonetheless, it faces stable competitors from different cobranded hotel cards and commonplace enterprise playing cards.

For added choices, see our record of the best business credit cards and the best American Express cards.

Associated: How to apply for an Amex business card

It’s possible you’ll be hesitant to pay an annual payment on a bank card or marvel if the $195 annual payment on the Hilton Amex Business card is price it. Contemplate how a lot worth you will get out of the cardboard’s computerized Hilton Gold standing, as that may be a deciding consider whether or not this card is for you.

The Hilton Amex Enterprise card has benefits for enterprise vacationers who often keep at Hilton properties. Nonetheless, others ought to go for one other lodge card or enterprise card.

Apply right here: Hilton Honors Amex Business card

For charges and charges of the Amex Hilton Enterprise card, click on here.
For charges and charges of the Amex Marriott Bonvoy Enterprise card, click on here.
For charges and charges of the Amex Enterprise Gold card, click on here.