Hilton Honors American Express Business Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 24.74% (Variable)
Balance Transfer
-
Rewards
3 - 12 points
Signup Bonus
125000 points (after spending $3,000)


9/10
Informr score
The Hilton Honors American Express Business Card currently has an Informr score of 9 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Hilton Honors American Express Business Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Investopedia

Like most co-branded cards, the Hilton Honors American Express Business is squarely aimed at frequent customers of its branded partner. That’s reflected in a rewards structure that awards two to four times the number of points to Hilton purchases than to any other transactions. And also through rede...

- Rebecca Lake, Investopedia
Cardcruncher

The Hilton Honors American Express Business Card is a great credit card for small business owners who regularly stay at Hilton properties. It also offers one of the cheapest ways to get access to Priority Pass lounges. While some of its perks are locked behind high spending requirements, it’s also a...

- TJ Porter, Cardcruncher
One Mile at a Time

The Hilton Business Card is the only co-brand business card offered by Amex and Hilton, and it offers some fantastic perks. Just for having the card you get Gold status, which should more than justify the annual fee after just a couple of stays. On top of that, the card can be worth spending money o...

- Ben, One Mile at a Time
FinanceBuzz

The Hilton Honors American Express Business Card is a great option for business owners who find value in staying at the various Hilton properties. At 12X points, Hilton travelers will be rewarded for their loyalty, but this isn’t the only way to earn Hilton points.

- Matt Miczulski, FinanceBuzz
Credit Cards Explained

It comes with a wide range of where you can earn points and a similarly wide range of where you can redeem points. For business owners who work with Hilton hotels or frequently buy from US based online suppliers, it’s an especially attractive card. The benefits from both Hilton and Amex make this a...

- Kara Perez, Credit Cards Explained

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 24.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Not available

Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00
Balance Transfer Fee
Cash Advance Fee 3%

Minimum of $5

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus 125000 points after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 3 points per $1 spent
Restaurants 6 points per $1 spent
Gas 6 points per $1 spent
Groceries No
Hotels 12 points per $1 spent

On eligible purchases at participating hotel or resort within the Hilton Portfolio.

Travel 6 points per $1 spent

On flights booked directly with airlines or with AmexTravel.com and on car rentals booked directly from select car rental companies

Pharmacy No
Bills No
Additional Details

- Earn 6 points per $1 on wireless telephone services purchases directly from U.S. service providers and on U.S. purchases for shipping.

- Earn a weekend Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year.

- Earn a second Weekend Night Reward from Hilton Honors after you spend $60,000 on eligible purchases on your Card in a calendar year.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards Yes
Additional Benefits

- Complimentary Hilton Honors Gold Status

- Upgrade to Diamond Status after you spend $40,000 on eligible purchases on your Card in a calendar year

- 10 Free Priority Pass Visits

- Baggage Insurance Plan

- Expense Management Tools

- Dispute Resolution

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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