American Express
Hilton Honors Business Card
Key Features
| Annual Fee | $195.00 |
| 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 3.7 out of 5.0, placing it in the 'Good' category. This assessment takes into account several factors: The rewards program is very strong for Hilton loyalists, as reflected in the 4.3 rewards rating, while the APR is a weak point (1.5). The annual fee is somewhat mitigated by the $240 Hilton credit, contributing to a 'Fair' fees rating of 2.8. The card's reputation is generally positive, particularly among small business owners loyal to the Hilton brand, who view it as a high-value card. The card's value proposition is strong for its target audience, who can readily leverage the Hilton benefits. However, the card is not a good fit for those who are not regular Hilton customers. The Hilton-specific rewards limit flexibility compared to more general travel cards.
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
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 130,000 Hilton Honors Bonus Points after you make purchases on the 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
Your personal credit score may be impacted if you submit an application. American Express can be accepted at 99% of places in the US that accept credit cards. 3Based on the Feb 2024 Nilson Report.