If your small business usually books stays with Hilton Hotels & Resorts, the Hilton Honors American Express Business Card can ship significant worth with included elite standing and quarterly assertion credit.
This mid-tier lodge enterprise card consists of Hilton Honors Gold status, sturdy incomes charges on Hilton purchases and as much as $240 in annual Hilton assertion credit in change for a $195 annual charge (see rates and fees). Given these advantages, it will possibly make sense for enterprise homeowners who keep at Hilton properties not less than just a few occasions per yr.
We suggest that candidates have good to glorious credit score to enhance their approval odds.
Here is what you’ll want to know earlier than including it to your pockets.
Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Hilton Honors American Specific Enterprise Card: The fundamentals
The Hilton Honors American Express Business Card is Hilton’s solely cobranded small-business card. You do not want a storefront or workers to qualify — freelance work, consulting and different aspect hustles could also be sufficient.
Its greatest promoting level is automated Hilton Honors Gold elite standing, which unlocks invaluable perks like a fifth evening free on reward stays, a every day food-and-beverage credit score (varies by model and area) and space-available room upgrades.
Key highlights embody:
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- 12 factors per greenback spent on eligible purchases at Hilton inns and resorts
- 5 factors per greenback on the primary $100,000 in different eligible purchases every calendar yr (then 3 factors per greenback)
- Complimentary Hilton Honors Gold standing
- As much as $240 per yr in Hilton assertion credit (as much as $60 per quarter)
Nonetheless, not like some competing lodge enterprise playing cards, such because the Marriott Bonvoy Business® American Express® Card, it doesn’t provide an annual free evening award.
Hilton Honors American Specific Enterprise Card professionals and cons
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†Enrollment required |
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Hilton Honors American Specific Enterprise Card advantages
For a $195 annual charge, the Hilton Amex Business provides a centered set of Hilton-specific perks.
Hilton Honors Gold elite standing
Hilton Amex Business cardholders obtain automated Gold standing, which incorporates:
- 80% bonus on base factors earned throughout paid stays
- Complimentary breakfast or every day food-and-beverage credit (brand-dependent)
- Area-available room upgrades
- Fifth evening free on award stays
- Elite rollover nights
Gold standing alone can offset a lot of the annual charge when you stick with Hilton a number of occasions per yr, significantly when you reap the benefits of breakfast advantages and the fifth-night-free perk.
Hilton assertion credit
Earn as much as $240 in assertion credit every calendar yr (as much as $60 per quarter) for eligible purchases made instantly with Hilton properties.
Eligible expenses embody room charges and incidental bills equivalent to eating or spa companies. Should you absolutely use the quarterly credit, you’ll be able to successfully cut back the cardboard’s web value to damaging territory.
Nationwide Automobile Rental Emerald Membership Government standing
Hilton Amex Business cardholders obtain complimentary Emerald Membership Government standing with Nationwide (enrollment required). Advantages embody:
- Assured upgrades
- Entry to the Government Space
- Expedited service
Improve to Diamond standing via spending
Spend $40,000 on eligible purchases with the cardboard in a calendar yr, and you will earn Hilton Diamond status via the top of the following calendar yr. Diamond standing consists of lounge entry, higher improve potential and a 48-hour room assure.
Nonetheless, if Diamond standing is your main purpose, I’d suggest making use of for the Hilton Honors American Express Aspire Card, which incorporates Diamond standing robotically.
Enterprise instruments and protections
As a enterprise cardmember, you will have entry to instruments like QuickBooks integration and Vendor Pay by Invoice.com (advantages require enrollment). The cardboard additionally consists of buy protections and journey protections once you use it for eligible purchases.
Associated: Your complete guide to shopping protections on American Express cards
Incomes factors on the Hilton Honors American Specific Enterprise Card
With the Hilton Amex Business card, you will earn 12 factors per greenback spent at Hilton inns and resorts. That is a 6% return on spending, based on TPG’s March 2026 valuations.
You may additionally earn 5 factors per greenback spent on all other eligible purchases (on as much as $100,000 every calendar yr, then 3 factors per greenback spent after that).
As with Hilton’s other credit cards, you will get the very best return on Hilton purchases. You may get a 1.5%-2.5% return in your different business-related spending, based mostly on our valuations.
Associated: How to pick a strategy for your small-business credit cards
Redeeming factors on the Hilton Honors American Specific Enterprise Card
As with most lodge loyalty packages, the very best worth comes from utilizing your factors earned with the Hilton Amex Business card on lodge bookings.
You may redeem your Hilton Honors points in a number of methods. Lodge redemptions provide the very best worth, whereas Hilton occasion reductions, Hilton Honors Experiences and Amazon purchases provide poor worth.
Whereas Hilton Honors does not have a printed award chart, the Points Explorer tool can present you the award redemption value vary over the following 30 days. This may help you recognize what to anticipate when contemplating areas for utilizing your factors.
TPG Contributing Editor Matt Moffitt likes to redeem his Hilton Honors factors to e-book three- and four-star inns overseas. These properties have a tendency to supply a better redemption worth than these within the U.S.
He goals to e-book five-night stays, as he solely must pay for 4, because of the elite standing that comes along with his Hilton cobranded playing cards.
Associated: Ultimate guide to the Hilton Honors loyalty program
Transferring factors with the Hilton Honors American Specific Enterprise Card
Hilton provides a number of airline companions to which you’ll be able to switch the factors you earn on the Hilton Amex Business card. These embody notable choices like Air France-KLM, British Airways, Delta Air Lines and United Airlines.
Hilton factors usually switch at a poor charge; for instance, when transferring to United, you will solely obtain 1,000 MileagePlus miles in change for 10,000 Hilton Honors factors.
Given the poor worth of this redemption choice, we don’t suggest transferring your Hilton factors to airways. Even when you’ll want to high off your airline rewards steadiness, there’s seemingly a greater and extra value-conscious solution to do it.
Potential drawbacks to the Hilton Honors American Specific Enterprise Card
The Hilton Amex Enterprise is a comparatively area of interest enterprise card. Should you:
- Don’t remain at Hilton properties repeatedly
- Will not absolutely use the quarterly Hilton credit
- Want versatile, transferable factors
You may seemingly get higher long-term worth from a distinct enterprise rewards card.
Associated: How to choose the best credit card for your business expenses
Is the Hilton Honors American Specific Enterprise Card price it?
The Hilton Amex Business is price contemplating if:
- Your small business books Hilton stays a number of occasions per yr
- You worth automated Gold standing
- You may reliably use the as much as $240 in annual Hilton assertion credit
It is much less compelling in order for you premium perks like annual free evening awards or automated Diamond standing.
When to use for the Hilton Honors American Specific Enterprise Card
New Hilton Amex Business cardmembers can earn 175,000 Hilton Honors bonus factors and a free evening reward after spending $8,000 on purchases within the first six months of card membership.
In line with TPG’s March 2026 valuations, the 175,000 bonus factors are price $875 plus the worth of the free evening reward.
Keep in mind that Amex solely lets you earn one welcome bonus per card in a lifetime, so it is essential to use on the proper time. Amex will provide you with a warning, earlier than you submit an utility, when you’re not eligible for a welcome bonus.
Associated: Best time to apply for Hilton American Express cards based on offer history
Different playing cards to think about if you don’t need the Hilton Honors American Specific Enterprise Card
The Hilton Amex Business card is Hilton’s solely enterprise card. Nonetheless, it faces strong competitors from different cobranded hotel cards and customary enterprise playing cards.
For extra choices, see our checklist of the best business credit cards, best Hilton credit cards and best American Express cards.
Associated: How to apply for an Amex business card
Backside line
The Hilton Honors American Express Business Card is finest suited to enterprise homeowners who constantly stick with Hilton and may maximize its quarterly assertion credit.
It will not compete with premium lodge playing cards on luxurious perks, however for Hilton loyalists who need automated Gold standing and strong incomes charges at a midrange annual charge, it will possibly ship regular worth yr after yr.
Apply right here: Hilton Honors Amex Business card
For charges and charges of the Amex Hilton Enterprise card, click on here.
For charges and charges of the Amex Marriott Bonvoy Enterprise card, click on here.
For charges and charges of the Amex Enterprise Gold card, click on here.
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