The Hilton Honors American Express Business Card Review

These are the rewards you can earn with this card, with all rewards in Hilton Honors Bonus Points:

This rewards structure can work for you if you value Hilton Honors rewards and spend a lot in the high-earning categories, but category restrictions might make it less appealing, especially if you travel internationally. For instance, restaurants in the U.S. qualify for the six-point restaurant spending bonus, but U.S.-owned restaurants in other countries don’t qualify. Most purchases earn only three points per dollar.

The Hilton Honors American Express Business Card also comes with an introductory bonus of 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.

Hilton Honors Bonus Points can be redeemed for a variety of rewards and experiences, including things like free nights at Hilton hotels or VIP access to sporting events, concerts and restaurants. You can also use points to buy Lyft rides or when shopping at Amazon or Hilton’s online mall. The rental car companies Alamo, National and Enterprise accept Hilton points for car rentals. Points can also be turned into airline miles with Hilton travel partners.

The Hilton Honors American Express Business Card has a variable APR that ranges from the prime rate plus 12.49% to the prime rate plus 21.49%, depending on your creditworthiness. You may be subject to a penalty APR of the prime rate plus 25.99% for 12 months or more if you make two or more late payments in a 12-month period, fail to make the minimum payment or make a payment that is returned. Cash advances also carry a higher APR of the prime rate plus 21.99%.

Annual fee: Both cards charge a $95 annual fee.

Rewards: With the Hilton Honors American Express Business Card, you can earn points at a rate of 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases. Terms apply. The Ink Business Preferred Credit Card offers three points per dollar for the first $150,000 spent every 12 billing cycles on travel, shipping, internet, cable, phone and qualifying advertising purchases with the card. You will earn one point per dollar on all other purchases.

Welcome offer: New cardholders with the Hilton Honors American Express Business Card can earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. Ink Business Preferred Credit Card users can earn 100,000 bonus points after spending $15,000 in the first three months.

Benefits: The Hilton Honors American Express Business Card has benefits including car rental loss and damage insurance, purchase protection, and travel perks like free nights at Hilton hotels and airport lounge passes. If you travel more than 100 miles from home, you can also use a 24/7 hotline for emergency assistance and other services. The Ink Business Preferred Credit Card gives cardholders benefits including purchase protection, cellphone protection and a waiver for car rental collision damage.

Annual fee: The Hilton Honors American Express Business Card charges a $95 annual fee, while the Amazon Business Prime American Express Card does not charge an annual fee.

Rewards: With the Hilton Honors American Express Business Card, you’ll earn between three and 12 Hilton Honors Bonus Points per dollar spent: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases. Terms apply. If you are an eligible Amazon Prime member, the Amazon Business Prime American Express Card earns five points per dollar on your first $120,000 in spending with Amazon Business, Amazon Web Services, Amazon.com and Whole Foods each calendar year. This card also earns two points per dollar on eligible spending on gas, dining and phone service, and one point per dollar on all other eligible spending.

Welcome offer: You can earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership. With the Amazon Business Prime American Express Card, you’ll get a $125 Amazon.com gift card after getting approved for the card.

Benefits: The Hilton Honors American Express Business Card offers car rental loss and damage insurance, purchase protection and travel benefits such as free nights at Hilton hotels and airport lounge passes. The Amazon Business Prime American Express Card provides perks including purchase protection, car rental loss and damage insurance and access to insights on expenses with Amazon Business tools. With both cards, you’ll also have 24/7 access to a hotline for emergency assistance and other services if you travel more than 100 miles from home. The Amex Offers program provides users of either card with access to rewards on dining, travel and more.

Q: Is the Hilton Honors American Express Business Card a good credit card?

A: The Hilton Honors American Express Business Card is a good card for business owners who frequent Hilton hotels and resorts. It offers high bonus point rewards, with cardholders earning up to 12 points per dollar, but does come with a $95 fee. Consumers who don’t spend much in the high-earning categories may be better off with a travel rewards card that charges no annual fee. Likewise, if you don’t stay at Hilton hotels, you likely won’t get much value from the Hilton Honors American Express Business Card.

Q: How do I get approved for the Hilton Honors American Express Business Card?

A: To get approved for the Hilton Honors American Express Business Card, you’ll need to be a business owner, manager, partner, president, chairman, treasurer, vice president or other authorizing officer. You will also need to complete the online application, which includes information about your business, such as the industry and company structure, how many years you’ve been in business and your number of employees. The application also asks questions about both you and your business’s annual income. Be prepared to provide your Social Security number and your business’s federal tax ID as well. American Express could decide on your application in seconds.

Q: What credit score is needed for the Hilton Honors American Express Business Card?

A: You will generally need a credit score of at least 670 to qualify for a rewards credit card such as the Hilton Honors American Express Business Card.

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