American Express
Hilton Honors Business Card
Key Features
| Annual Fee | $195.00 |
| Sign-up Bonus | 130,000 Hilton Honors Bonus Points |
| Rewards Rate | 12x-5x Hilton Honors Points |
| Regular APR | APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. |
| Network | American Express |
About this card
The Hilton Honors Business Card earns an overall rating of 3.5 out of 5.0, classifying it as a 'Good' card. This rating reflects a card with significant strengths for its target audience, balanced against a major drawback. Its primary strengths lie in an excellent rewards program for Hilton loyalists (rated 4.0), offering high earning rates, a valuable sign-up bonus, and meaningful perks like complimentary Hilton Honors Gold status and potential for Diamond. The fee structure is also exceptionally strong (rated 4.3), as the $195 annual fee is more than offset by the $240 annual Hilton credit, effectively making the card's net cost negative for engaged users, plus the benefit of no foreign transaction fees. The card's fit for its intended users – business owners who frequently stay at Hilton properties and are able to maximize the benefits – is very high. However, the most significant weakness is its 'Poor' APR rating of 1.5, with a variable rate ranging from 19.49% to 28.49% and no introductory offer. This high APR makes the card an extremely expensive option for anyone who carries a balance, quickly eroding the value of any earned rewards. Therefore, while it offers outstanding value for those who pay their balance in full and are loyal to Hilton, its high APR represents a notable limitation and prevents a higher overall rating. It is a solid choice for financially disciplined Hilton-focused business travelers, but carries substantial risk for others.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
- Luxury perks
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 130,000 Hilton Honors Bonus Points
- after you make purchases with your new Card totaling $6,000 or more in the first 6 months of Card Membership starting from the date your account was opened.
Rewards
- 12X HILTON HONORS BONUS POINTS At Hilton per dollar for eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 5X HILTON HONORS BONUS POINTS On Other Eligible Purchases on the first $100K in eligible purchases per calendar year, 3X Points thereafter.
Other features
- $240 Hilton Credit Get up to $240 back each year on eligible purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
- Complimentary Hilton Honors Gold Status Enjoy complimentary Gold status with your Card. Gold status gives you an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more.
- Upgrade to Hilton Honors Diamond Status Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
- Complimentary National Car Rental Emerald Club Executive Status Hilton Honors Business Card Members can enjoy complimentary National Car Rental Emerald Club Executive status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- No Foreign Transaction Fees Use your Card on purchases when you travel abroad without the worry of foreign transaction fees.
Additional Notes
American Express can be accepted at 99% of places in the US that accept credit cards. Based on the Feb 2024 Nilson Report.