The Hilton Honors American Express Business Card earns 12x points at Hilton hotels and resorts, and 6x points on airfare, rental cards, U.S. restaurants, and U.S. gas stations.
Plus, the card has several valuable benefits such as Hilton Gold elite status, Priority Pass, and rental car insurance.
Below is everything you need to know about the Hilton Business American Express credit card.
- Earn 130,000 Hilton Honors Bonus Points After You Spend $3,000 in the First Three Months
- Complimentary Hilton Honors Gold Status
- 12X Points at Hilton Properties
- 6X Points at U.S. Gas Stations and U.S. Restaurants
- 10 Complimentary Priority Pass Lounge Visits
- $95 Annual Fee & No Foreign Transaction Fees (Rates and Fees)
1. Welcome Bonus of 130,000 Points
The American Express Hilton Business credit card is currently offering a nice bonus of 130,000 Hilton Honors points when you spend $3,000 in the first three months.

2. 12x Points at Hilton Hotels
If you frequently stay at Hilton Hotels, you will love earning 12 points per dollar on spending at Hilton Hotels and Resorts, on top of the Hilton points you earn from your stay.
3. 6x Points in Many Categories
The Hilton Business Card offers 6x points per dollar in many categories:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless service providers,
- U.S. shipping companies
- Airfare booked directly with the airline or on AmexTravel.com.
- Select car rental companies (Alamo, Avis, Budget, Dollar, Enterprise, E-Z, Fox, Hertz, National, Payless, Sixt, and Thrifty).
4. 3x Points Everywhere Else
The Hilton Business card earns a minimum of 3 Hilton points per dollar on all spending not in the categories above.
5. $95 Annual Fee
The Hilton Business credit card has a $95 annual fee, which is easily justified by many of the benefits below including, Priority Pass lounge access, Hilton Gold status, and shopping protection.
6. Hilton Gold Elite Status
Cardmembers receive Hilton Gold elite status, which gets you an 80% points bonus on hotel stays, late checkout, and access to room upgrades.
Plus, you can also earn valuable Hilton Diamond elite status by spending $40,000 in a calendar year on the card.

7. Additional Night with Spending
You can earn a free night by spending $15,000 on the card in a calendar year, plus a second night if you spend $45,000 in a calendar year.

8. Priority Pass Lounge Access
This card comes with Priority Pass airport lounge access, which gets you access to over 1,300 airport lounges.
Nothing is better than escaping the hustle and bustle of the airport and to escape the crowds to get free food and drinks.

9. No Foreign Transaction Fees
You can use your Hilton Business card anywhere in the world without having to pay foreign transaction fees, which are typically 3%.

10. Secondary Rental Car Insurance
Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.
Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.
But there are situations where this secondary insurance becomes the primary insurance, including when renting a car outside the U.S. and your personal car insurance does not cover you in that country, or if you don’t have collision insurance.
You still need to maintain liability car insurance to cover damage to another person or property.

11. Return Protection
American Express offers return protection which allows you to return an item purchased in total with an eligible card when the retailer refuses to accept the item under its return policy.
Some items are excluded, such as jewelry, plants, perishable items, software, books, formal wear, tickets, and seasonal items.
This coverage is up to $300 per item with a maximum of $1,000 per cardmember year.
12. Purchase Protection
Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.
For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.
Coverage for this benefit is limited to $10,000 per claim and up to $50,000 per cardholder.

13. Extended Warranty
Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 5 years.
Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.
The maximum coverage is $10,000 per item and $50,000 per cardholder.
For example, if you bought a TV with a manufacturer’s warranty of three years, this card would extend the warranty for free to the fourth year.
14. Amex Offers
The Hilton Business card, like all American Express cards, has access to Amex Offers, which are special deals at certain retailers. For example, spend $25, get a $10 statement credit.

- Earn 130,000 Hilton Honors Bonus Points After You Spend $3,000 in the First Three Months
- Complimentary Hilton Honors Gold Status
- 12X Points at Hilton Properties
- 6X Points at U.S. Gas Stations and U.S. Restaurants
- 10 Complimentary Priority Pass Lounge Visits
- $95 Annual Fee & No Foreign Transaction Fees (Rates and Fees)