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The Hilton Honors American Express Business Card – Full Review [2023]

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Jarrod West

Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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The Hilton Honors American Express Business Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
  • 130,000 points

  • $95

  • 20.99% - 29.99% Variable

  • Good to Excellent (670-850)

The Hilton Honors American Express Business Card

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
Learn More

(at Amex's secure site)

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

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130,000 points

Learn More

(at Amex's secure site)

Great Card If

  • You’re a frequent business traveler
  • Hilton is your hotel chain of choice
  • You want automatic Hilton Honors Gold Status

Don’t Get If

  • You don’t travel often or don’t often visit Hilton hotels
  • You do not want a card that charges an annual fee

Hilton Business Amex Card — Is It Worth It?

If you’re a business traveler who spends a decent number of nights in Hilton hotels each year, then the Hilton Business Amex card would almost certainly be worth it to you.

When you consider that it will help you earn significantly more points on your stays and help you get more value out of each stay thanks to your Hilton Honors Gold status, it’s easy to see why this card could be well worth the annual fee.

Additionally, the more you use the card each year, the more rewarding it becomes — it allows you to spend your way to top-tier Hilton Honors Diamond status and additional Free Weekend Night Reward certificates.

Hilton Business Amex Card Top Benefits

Hilton Honors Gold Status

Those who regularly stay at Hilton hotels will love that the Hilton Business Amex card comes with automatic Hilton Honors Gold status. Ordinarily, you’d need to spend 40 nights a year in Hilton hotels to qualify for this status level, which comes with the following benefits:

  • 80% bonus points earned from stays, giving you 18x points per $1 on stays, plus 12x points per $1 for paying with your card, for a total of 30x points per night — a 15% return on your Hilton stays based on our valuation of Hilton Honors points
  • Complimentary room upgrades, up to executive level, if available (excludes suites)
  • Complimentary breakfast at international hotels and a $10 to $25 food and beverage credit at U.S. hotels
  • Late checkout (if available)

Spend Your Way to Diamond Status

When you spend $40,000 on your card in a calendar year, you’ll be upgraded to top-tier Hilton Honors Diamond status, without needing to meet the 60 qualifying night requirement.

With Hilton Diamond, you’ll receive all of the perks of Hilton Gold status, plus a 100% bonus on stays, access to executive lounges at eligible properties, and suite upgrades (if available).

Complimentary Priority Pass Visits

Most travel credit cards with Priority Pass lounge access come with an annual fee of $400 to $700, but the Hilton Business Amex card offers it for just $95 per year.

While more premium cards allow you to visit an unlimited number of times, and the Hilton Business Amex card limits you to just 10 visits per year, but that may be plenty depending on your travel patterns. 

If you aren’t already familiar, Priority Pass offers 1,300+ lounges in airports all across the world, so you’ll almost always have access to a lounge no matter where your travels take you.

Spend Your Way to Free Weekend Night Reward Certificates

Another great benefit for big spenders is the ability to spend your way to Free Weekend Night Reward Certificates with the card.

You’ll earn 1 Free Weekend Night Reward after $15,000 in spend in a calendar year, and a second after spending $60,000 in a calendar year.

These Free Weekend Night Rewards can then be redeemed at nearly any Hilton hotel worldwide, as long as it is on a Friday, Saturday, or Sunday (though Hilton expanded eligibility to any night of the week as a result of the COVID-19 pandemic). This includes some of Hilton’s very best properties in the world that can cost north of $1,000 per night.

Card Protections

The Hilton Business Amex card also offers a handful of protections to keep you covered if things go wrong, including:

  • Baggage Insurance: When you purchase a flight with your card, and your baggage is lost, damaged, or stolen, you’ll receive coverage for up to $1,250 for carry-on baggage, and up to $500 for checked baggage.
  • Rental Car Insurance: Those who purchase a rental car with their card will receive secondary rental car coverage towards damage or theft of the vehicle. Keep in mind that it will only kick in after your primary auto insurance.
  • Purchase Protection: Purchasing an item with your card keeps you covered for 90 days if the item is accidentally damaged or stolen. The coverage is limited to $1,000 per occurrence and up to $50,000 per calendar year.
  •  Extended Warranty Coverage: When you purchase an item that comes with an extended warranty of 5 years or less, the warranty coverage will automatically be extended by 1 additional year.

Best Ways To Earn and Redeem Your Hilton Honors Points

You may think that the only way to earn Hilton Honors points is by staying at Hilton hotels or using your Hilton Business Amex card for purchases, but that’s actually not true — there are many great ways for you to earn lots of Hilton Honors points!

Once you’ve built up a large balance of points from all of your business trips, next comes the fun part: redeeming them on an awesome trip! Our guide reviews some of our favorite ways to redeem Hilton Honors points, so you can make sure you’re getting excellent value on your next vacation.

Alternative Cards to the Hilton Business Amex Card

World of Hyatt Business Credit Card

If you prefer Hyatt hotels to Hilton hotels, the World of Hyatt Business card would be a much better option for you.

Not only will you earn 9x points per $1 on Hyatt stays with the card, but you’ll also receive automatic Discoverist status, and access to the Hyatt Leverage Business program.

Plus, you’ll receive 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year and 10% back on redeemed points after spending $50,000 in a calendar year.

Ink Business Preferred® Credit Card

If you’re looking for an all-around option, especially one that earns transferable rewards, at the same annual fee, then the Ink Business Preferred card might be the perfect option.

This card earns 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites. It comes with great travel protections, cell phone insurance, and the points you earn can be transferred to any of Chase’s airline or hotel partners for amazing value.

For rates and fees of The Hilton Honors American Express Business Card, click here.

Frequently Asked Questions

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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