Hilton Business American Express Card Review

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The Hilton Honors American Express Business Card is a good option for small business owners because it offers nice benefits such as 12 points per dollar on purchases directly with Hilton Hotels and Resorts, Hilton Honors Gold elite status, the ability to earn up to 2 free hotel nights, and 10 complimentary Priority Pass airport lounge visits.

This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Complimentary Gold Status
The Hilton Honors American Express Business Card
  • bonus_miles_full
  • 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 (rates & fees)
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Welcome Bonus of Hilton Business Amex

The Hilton Business Card currently offers the following welcome bonus:

bonus_miles_full

Earning Points with Hilton Business Amex

The Hilton Business Card earns Hilton Honors points at the following rate:

  • 12 points per dollar on purchases directly with hotels and resorts in the Hilton portfolio;
  • 6 points per dollar at U.S. gas stations;
  • 6 points per dollar at U.S. restaurants;
  • 6 points per dollar on flights booked directly with airlines or with Amex Travel;
  • 6 points per dollar on car rentals booked directly from select car rental companies; 
  • 6 points per dollar on U.S. purchases for shipping;
  • 6 points per dollar on wireless telephone services purchased directly from U.S. service providers; and
  • 3 points per dollar on all other eligible purchases. 

Annual Fee of Hilton Business Amex

The Hilton Business Card has a $95 annual fee (rates & fees), which is easily justified by many of the benefits below including, Priority Pass lounge access, Hilton Gold status, and shopping protection.

Hilton Business Card Benefits

Below are the benefits of the Hilton Business Card:

Hilton Gold Elite Status

Hilton Business cardholders receive complimentary Hilton Honors Gold status just for holding the card.

Hilton Gold status offers nice benefits such as:

  • Free breakfast credit and/or executive lounge access;
  • Late checkout (subject to availability);
  • Preferred rooms (higher floor, better view, and potentially on the executive floor);
  • 80% points bonus;
  • Fifth night free on award stays.

Path to Diamond Status

You can unlock top-tier Hilton Diamond status by spending $40,000 or more in a calendar year.

Hilton Diamond status offers nice perks such as:

  • Room upgrades (when available);
  • Late check-out (subject to availability);
  • Executive lounge access;
  • Free breakfast at hotels without executive lounges typically in the form of a food and beverage credit; and
  • 100% points bonus. 
Hilton Santa Fe Casino & Spa at Buffalo Thunder
Photo: Hilton Santa Fe (NM) Casino & Spa at Buffalo Thunder

Earn Up To Two Free Night Rewards Each Year

With the Hilton Business Amex you can earn up to two free night rewards annually:

  • Earn a free night certificate after spending $15,000 on eligible purchases in a calendar year; and
  • Earn a second-night certificate after spending a total of $60,000 on eligible purchases in a calendar year.

10 Complimentary Priority Pass Visits Each Year

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. 

Other Benefits and Perks

Amex Offers: This American Express card gets access to special deals or extra rewards when you load certain offers to your card.

No Foreign Transaction Fees: You can make international purchases with your card without paying an extra fee of around 3%.

Secondary Rental Car Insurance covers any damage to or theft of a rental car not covered by your primary insurance when you pay for the rental using this card.*

Purchase Protection covers eligible purchases against accidental damage or theft for up to 90 days for purchases this card.*

Extended Warranty coverage adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.*

Baggage Insurance Plan covers your baggage if it is lost, damaged, or stolen and you purchase your ticket with this card.*

* Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

Hilton Moorea Lagoon
Photo: Hilton Moorea Lagoon

Pros and Cons

Here’s a quick overview of this card’s advantages and disadvantages:

Pros:

  • Hilton Gold status with a path to Hilton Diamond status.
  • Unlock up to two free nights and Diamond Status with spending.
  • 10 Complimentary Priority Pass visits.
  • Several categories offer extra points, including flights, car rentals, U.S. gas stations, and U.S. restaurants.

Cons:

  • Fewer benefits for lower spenders.
  • No elite night credits to help earn Diamond status like many other hotel cards.

Alternatives to the Hilton Business Card

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
  • bonus_miles_full
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® Credit Card (review)  is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.

With this card, you’ll earn:

  • 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
  • 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.

Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:

  • Primary rental car insurance (when renting for business purposes).
  • Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
  • Purchase and extended warranty protection.

Marriott Bonvoy Business® American Express® Card

Marriott Gold Status
Marriott Bonvoy Business® American Express® Card
  • bonus_miles_full
  • 6X Points at Marriott Hotels & Resorts
  • 4X Points at Restaurants Worldwide, at U.S. gas stations, U.S. Phone Service Providers, and on U.S. Shipping Purchases.
  • Annual Free Night Award (up to 35,000 Points)
  • 15 Elite Night Credits and Gold Elite Status
  • No Foreign Transaction Fees
  • $125 Annual Fee (Rates and Fees)
Learn More Our Review
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The Marriott Bonvoy Business® American Express® Card is a good option for travelers who stay at least a few times per year in a Marriott.

The card comes with Marriott Bonvoy elite status, a free night award (up to 35,000 points), a 7% room rate discount, and 15 elite night credits.

For rewards, the Marriott Bonvoy Business earns 6x points at Marriott Hotels, 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. shipping purchases.

The Business Platinum Card® from American Express

Best for Airport Lounge Access
The Business Platinum Card® from American Express
  • bonus_miles_full
  • 5X Points on Flights and Prepaid Hotels Booked Via AmexTravel.com
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year).
  • Airport Lounge Access at Centurion Lounges, Delta Sky Clubs when Flying Delta, Escape, Plaza Premium, and Priority Pass.
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
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The Business Platinum Card® from American Express (review) is an outstanding choice for business owners who want airport lounge access including the American Express Global Lounge Collection, Centurion Lounges, Delta Sky Clubs, Escape Lounges, Priority Pass lounges, and more. 

The Business Platinum card also offers several statement credits to offset the $695 annual fee:

  • $200 Airline Fee: Annual airline fee credit of up to $200 on charges by the airline you select per calendar year.
  • $400 Dell: Annual statement credit on all U.S. Dell purchases, up to $200 semiannually. 
  • $120 Wireless Phone Services: Annual statement credits for purchases made directly with any U.S. wireless telephone provider, up to $10 per month.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Business Platinum Card.
  • Global Entry or TSA PreCheck: Statement credits for Global Entry ($100) or TSA PreCheck ($85) every four years (4.5 years for PreCheck).

You can also earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1.5x points on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

The American Express Business Platinum comes with automatic Hilton Honors Gold and Marriott Bonvoy Gold so that you can enjoy perks like room upgrades, late check-out, and a points bonus.

Additionally, the points you earn can be transferred to several Amex transfer partners such as Air Canada Aeroplan, Delta SkyMiles, and Marriott Bonvoy. This potentially increases the value of your points depending on how you redeem them.

Is the Hilton Business Amex Worth It?

The Hilton Business Card is a good option for business owners that stay at Hilton Hotels and Resorts at least a few times per year and can take advantage of the Priority Pass airport lounge access. 

Complimentary Gold Status
The Hilton Honors American Express Business Card
  • bonus_miles_full
  • 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 (rates & fees)
Learn More
American Express is a Deals Points advertiser. Terms Apply

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

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