How Do I Know if the Hilton AmEx Business Card Is Right for Me?

Amanda JohnsonAugust 31, 2020
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On a similar note...

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It can be difficult to sort through the benefits and drawbacks of a business credit card. With a relatively low $95 annual fee, The Hilton Honors American Express Business Card could be a great option for many business owners. Terms apply. Here are a few ways to tell if The Hilton Honors American Express Business Card might be the right fit for you:

You use Hilton properties

With 18 brands in 117 countries, Hilton has almost 6,000 properties throughout the world. If you find yourself frequently staying at Hilton properties during your personal or business travels, you should investigate The Hilton Honors American Express Business Card for your business needs.

NerdWallet values Hilton Honors points at 0.4 cent each. This relatively low value is mitigated slightly by the ease of acquiring points, especially as a cardholder of The Hilton Honors American Express Business Card.

Start with 3 points per $1 on everyday purchases with this card. There are also ample bonus categories. You’ll earn 6 points per dollar at the following:

  • U.S. gas stations.

  • Wireless telephone services from U.S. providers.

  • U.S. shipping.

  • U.S. restaurants.

  • Flights booked through airlines or with American Express travel.

  • Select car rental companies.

Terms apply.

Since you’re already frequenting Hilton properties, you’ll love earning an easy 12 points per $1 on purchases made at Hilton properties with this card. Terms apply.

Along with earning points, you’ll earn stays quickly when you use your card. After spending $15,000 in a calendar year, cardholders receive a free weekend night from Hilton Honors. You’ll earn a second weekend night after spending $60,000. Terms apply.

You love welcome bonuses

The Hilton Honors American Express Business Card offers an impressive welcome bonus: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership. Terms Apply.

Add in the 3 points per $1 earned on everyday purchases, and you’ve got an extra 9,000 points in your pocket from earning the welcome bonus in the first place. Terms apply.

Where can those points take you? Hilton determines the number of points needed for a free night based on the property, date of booking and demand. Award nights start at 5,000 points per night, (but don’t expect to find many options that low).

You value elite status

In addition to the free stays you’ll earn with your welcome bonus, The Hilton Honors American Express Business Card gives you automatic Gold elite status.

Gold elite members earn perks like free breakfast, and they also get an 80% bonus on all base points. This means you’ll earn 18 points per $1 spent at Hilton properties. Add to that the 12 points per $1 for putting those stays on The Hilton Honors American Express Business Card, and those rewards really add up. Terms apply.

If Gold status isn’t enough, cardholders earn Diamond status after spending $40,000 on eligible purchases. Diamond status includes all the perks of Gold, plus lounge access and a 100% boost on base points spent at Hilton properties. Terms apply.

You own a business

The Hilton Honors American Express Business Card includes features geared toward making the lives of business owners easier. You can get up to 99 additional employee cards, so you can earn even more points on business expenses.

On top of that, you can track your spending on business expenses and rewards with the American Express Business app, review your year-end summary, create account alerts and use the free basic plan on Bill.com for vendor pay. Each of these tools makes it easier for you to focus on your business.

You like to travel

In addition to earning more points when you travel, The Hilton Honors American Express Business Card comes with other travel-related perks.

For example, cardholders enjoy zero foreign transaction fees (terms apply). And one of the more valuable travel perks is a baggage insurance plan, which covers lost, damaged or stolen checked luggage up to $500. There are also coverages for car rental loss or damage.

When you’re traveling, you'll also appreciate the opportunity to escape a bit of the airport hubbub with Priority Pass. Every year, you’ll receive 10 free visits to Priority Pass lounges, which includes over 1,300 locations worldwide. Terms apply.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2020, including those best for:

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