Hilton Honors American Express Business Card Overview
Hilton Honors American Express Business Card is a useful hotel business card. In the case of Hilton Golden Elite status, car rental status and the generous income from Hilton purchases, it offers premium benefits (registration required for selected benefits; terms and conditions apply). If Hilton is your company’s preferred hotel chain, this card may be worth it in your wallet. Card rating*: ⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
The Hilton Amex business card is made for small business owners, but you don’t need a bustling office or dozens of employees to apply. Need to travel the side hustle or consult the show enough to qualify for a small business card.
One of the best benefits of Hilton’s business card is its automatic Hilton King’s elite identity. From daily food and beverage points to room upgrades (based on availability), this card can provide meaningful benefits from the start. The terms apply.
With an annual fee of $195 (see Fees and Fees), the card won’t break the bank for most banks. Applicants who approve Hilton Amex business usually have at least 670 credit scores.
Let’s check the Hilton Amex business card in more detail to help you determine if it’s a hotel card for your wallet.
Hilton AMEX business card patent figures and disadvantages
| advantage | shortcoming |
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†Registration required, application terms |
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Hilton Amex Business Card Welcome Offer
New Hilton Amex Business Card members spent $8,000 in the first six months of opening an account, plus a bonus of 25,000, and earned 150,000 bonus points after spending another $2,000 in the first six months of a card member. The offer ends on August 13.
According to TPG’s June 2025 valuation, 175,000 bonus points are worth $875.
This offer is very close to the best offer we saw on the card and is worth applying. After all, the minimum spending requirement is only 5,000 bonus points less than the best offer.
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Remember that AMEX offers the “Once Every Life” policy for the card has the following:
If you have or own this card or a previous version of this card, you may not be eligible for a welcome offer. You may also not be eligible for welcome offers based on various factors such as the history of your credit card balance transfer, your history as an American Express member, the number of credit cards you have opened and closed, and other factors. If you do not meet a popular offer, we will notify you before processing the application so that you can choose to withdraw your application.
Related: Best Credit Card Welcome Bonus Available
Hilton Amex Business Card Benefits
Hilton Amex Business offers a variety of benefits and allowances every year. Admission is required to obtain selected benefits; terms and conditions apply.
- Declaration credits up to $240 per calendar year: Eligible Hilton purchases per quarter can earn up to $60. Qualified purchases include room reservations at the Hilton Hotel and occasional expenses such as dinner or spa treatments.
- Free National Car Rental Elite Identity: Card members are awarded the status of executives at the National Car Rental Jade Club. Benefits include guaranteed upgrades, access to the execution area car and no second driver fee.
- Free Hilton Honor Gold Elite Status: With a golden identity, you will receive 80% of the Hilton bonus, the fifth night of the award redemption, the elite level grade night, free breakfast or food and drink credit, room upgrades (if any), and more.
- Upgrade to diamond status: You can reach Diamond Elite status after the next calendar year that costs $40,000 in one calendar year. Diamond status has more benefits, such as better upgrades (available), performing lounge access, 48-hour room guarantee, and more – although if you want this status, it’s better to apply for the Hilton Honors American Express Aspire Card, which offers Diamond status as a built-in PERK.
- Travel protection: Baggage Insurance*, Grade 2 Car Rental Loss and Loss Insurance**, Access to the Global Auxiliary Hotline # and Extended Warranty* and Purchase Protection* benefits are available to card members.
- Expense management tools: As a business card member, you will have access to tools such as QuickBooks Integration, Bill.com payments, and more.
Information on the Hilton Amex Aspire card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Although this is not a great set of benefits, their annual fees are acceptable. That said, if you are staying at least a few times a year, this card will be hard to justify annual payments.
If you expect every calendar year (up to $60 per quarter) to be able to take full advantage of the Hilton Statement Credit that can reach up to $240, then I recommend considering another hotel business card.
*Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. The policy is underwritten by AMEX Assurance Company.
**Qualifications and income levels vary from card to card. Not all vehicle types or rents are covered and geographical restrictions apply. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. The policy is underwritten by AMEX Assurance Company. Coverage is provided through American Express Travel-related service companies.
#Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. Card members are responsible for the fees charged by third-party service providers.
Related: Your Shopping Protection Guide on U.S. Express Cards
Points on Hilton Amex Business Card
With the Hilton Amex business card, you will spend 12 points per dollar at Hilton Hotels and Resorts, with a revenue of 6% on spending based on TPG’s June 2025 valuation.
You will also earn 5 points per dollar on all other qualified purchases (up to $100,000 per calendar year, and then spend 3 points after that).
Like other Hilton credit cards, you will get the best rewards for Hilton purchases. Based on our valuation, you will receive a 1.5%-2.5% expenditure gain.
Other cards offer better value, such as American Express® Commercial Gold Card or Ink BusinessPreferred® Credit Card (see Prices and Fees).
Since AMEX membership rewards allow you to transfer points to Hilton, Amex Business Gold may be a great addition or alternative to Hilton’s Amex business card.
Related: How to choose a strategy for your small business credit card
Redemption points on Hilton Amex business card
Like most hotel loyalty programs, the best value comes from using your point of view on hotel bookings.
There are a number of ways you can redeem Hilton Honors Points. Hotel redemption offers the best value, while discounts on Hilton events, Hilton Honors experiences and Amazon purchases are less valuable.
Although there is no public reward list for Hilton Honors, the Explorer tool can show you the reward price range for the next 30 days. This can help you know what you expect when considering where your point of view is used.
TPG contributor Matt Moffitt loves to redeem his Hilton Honors Index to book three- and four-star hotels abroad. These attributes tend to have higher redemption value than the United States
His goal is to book a five-night stay, as he only needs to pay four, thanks to his elite status as a Hilton co-signed card.
Related: The Ultimate Guide to Hilton Honor Loyalty Program
Transfer points using Hilton Amex Business Card
Hilton offers a well-known choice for transfer partners of several airlines, including RAF, British Airways, Delta Air Lines and Manchester United.
Hilton points are usually transferred at a poor speed; for example, when transferring to Manchester United, you only earn 1,000 miles of mileage in exchange for 10,000 Hilton Honors Points.
Given the poor value of this redemption option, I do not recommend using your Hilton points for airline transfers. Even if you need to go beyond the airline’s reward balance, there may be a better, more value-conscious approach.
Related: From Florida Keys to Maldives: 7 Great Ways to Use 130,000 Hilton Honor Points and Free Nighttime Rewards
Which cards compete with Hilton Amex business cards?
The Hilton Amex business card is Hilton’s only business card. However, it faces solid competition from other common hotel cards and standard business cards.
For additional options, see our list of the best business credit cards and the best American Express cards.
Related: How to apply for an AMEX business card
Bottom line
You may be reluctant to pay your credit card annual fee, or wonder if the $195 annual fee for Hilton Amex business card is worth it. Consider how much value you will get from the card’s automatic Hilton Gold status, as this may be the deciding factor for whether the card is right for you.
The Hilton Amex business card has advantages for business travelers who often stay at the Hilton hotel. However, others should choose another hotel card or business card.
Apply here: Hilton Honors AMEX Business Card
For rates and fees for Amex Hilton business cards, click here.
For rates and fees for Amex Marriott Bonvoy business cards, click here.
For rates and fees for Amex Business Gold Cards, click here.
