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

Nov. 13, 2019
Travel, Travel Credit Cards
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Are you shopping for your next credit card and want to take advantage of some great benefits and brand-specific earning potential? During your research, you may have stumbled upon The Hilton Honors American Express Business Card and wondered if it might be the right card for you.

To help you decide whether to apply for the card, here’s a rundown of its accompanying benefits.

Bigger rewards for Hilton Honors members

First of all, are you a member of the Hilton Honors rewards program? If you aren’t and are considering applying for this credit card, you’ll want to become one. There’s no point in snagging this card if you don’t plan to take advantage of its earning potential.

As a member of the Hilton Honors program, you’ll earn 5 to 10 points per $1 spent on purchases at Hilton properties. If you earn elite status with Hilton Honors, earnings increase upwards of 20 points per $1 spent. Terms apply.

Besides staying at Hilton properties, The Hilton Honors American Express Business Card is a great way to fast-track your stockpile of Hilton Honors points for redemption at Hilton properties. This is an appropriate card for travelers who are just beginning to consider earning points and miles for travel. With a $95 annual fee, you won’t have to worry about blowing a huge part of your budget on just one card. Terms apply.

An accessible welcome offer

The current welcome offer is relatively easy to achieve: Earn 125,000 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.

Hilton doesn’t have an official awards chart anymore, but to put it into perspective, this is enough points to stay at least one night at the all-inclusive Hilton Rose Hall in Jamaica. Not bad. If you frequent Hilton properties, this card would be a great addition to your wallet.

» Learn more: 5 things to know about the Hilton Honors AmEx Business Card

Spending category bonuses

Now, let’s talk about the many benefits of this card beyond the welcome offer — it’s not the only thing that can help boost your Hilton Honors account.

You’ll rack up Hilton Honors points relatively quickly with the spending categories on The Hilton Honors American Express Business Card. You’ll earn 12 additional Hilton Honors bonus points per $1 at a hotel or resort within the Hilton portfolio and 6 points per $1 on select business purchases (Terms apply.):

  • U.S. gas stations.
  • Wireless telephone services purchased directly from U.S. service providers.
  • U.S. purchases for shipping.
  • U.S. restaurants.
  • Flights booked directly with the airline or through Amex Travel.
  • Car rentals booked directly from select car rental companies.

You’ll also earn 3 points per $1 on all other purchases. Terms apply.

Elite status

With The Hilton Honors American Express Business Card, you’ll automatically achieve Hilton Honors Gold status, which moves up your earning rate to 18 points per $1 spent. If you make $40,000 in purchases within one calendar year, you’ll automatically earn top-tier Diamond status through the end of the next calendar year. That upgrade moves your earning rate on paid stays up to 20 points per $1 spent. Terms apply.

Both Hilton Gold and Diamond elites receive complimentary breakfast and space-available room upgrades at Hilton hotels. Diamond members also receive complimentary lounge access, which can help cut down your food budget while traveling.

» Learn more: Hilton Honors: The complete guide

Other card perks

This card also contains a suite of benefits that are helpful to have for general travel. For one thing, cardholders pay no foreign transaction fees that would otherwise really add up during a trip abroad.

You’ll also earn a free weekend night award if you spend $15,000 on your card within a calendar year, with the option to earn a second weekend night if you spend $60,000 on your card within the calendar year. Cardholders also receive 10 Priority Pass single-use visits per year. Terms  apply.

If you like to check bags or rent cars when you travel, it’s nice to be protected with the card’s baggage insurance plan and the secondary car rental loss and damage insurance coverage.

If you run into an issue that isn’t quite as life-or-death, you’re always welcome to contact the Global Assist Hotline while you’re traveling 100 miles or more from home. The Global Assist Hotline is helpful if your passport is lost or stolen, you need an emergency translator, your baggage is lost or stolen, or you need emergency medical or legal referrals.

The bottom line

This card is great for anybody who is a member of the Hilton Honors rewards program and wants to accelerate their rewards earnings. It would be extra beneficial to people who don’t stay at Hilton hotels enough to earn status but still want extra perks. The Hilton Honors American Express Business Card is relatively low-risk and high-reward as far as credit cards go, with no foreign transaction fees and a $95 annual fee. Terms apply.

If you already have several rewards credit cards in your pocket, this would be a great one to consider adding.

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 2019, including those best for:

Planning a trip? Check out these articles for more inspiration and advice:
Find the best hotel credit card for you
Snag these hotel loyalty perks, even if you’re disloyal
Hilton credit cards: Which one should you get?

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