Editor’s note: This is a recurring post, regularly updated with new information and offers.
The Hilton Honors American Express Business Card is a powerhouse card built for small-business owners, offering automatic Hilton Gold elite status and a number of other perks for an annual fee of just $95 (see rates and fees ).
Couple that with a lucrative welcome offer , and it’s clear that this card can offer value to many Hilton loyalists with lots of business expenses.
Let’s take a closer look at the Hilton Business card to see if it’s a fit for you.
Welcome offer
Right now, the Hilton Amex Business is offering 150,000 Hilton Honors bonus points and a free night award after you spend $4,000 on purchases within the first three months of card membership. Offer ends July 19.
TPG values 150,000 Hilton Honors bonus points at $900, making this one of the best offers we’ve seen on this card . The free night award can add hundreds of dollars to the value of the welcome offer, depending on which property you choose to use it at.
Earning points
The Hilton Business Amex earns a strong 12 points per dollar at Hilton hotels and resorts , plus 6 points per dollar on the following categories:
- U.S. gas stations .
- Wireless phone services purchased from U.S. providers.
- U.S. shipping purchases.
- U.S. restaurants .
- Flights booked directly with airlines or through American Express Travel .
- Car rentals booked directly with select car rental companies.
You’ll also earn 3 points per dollar on all other eligible purchases.
That’s a healthy earning rate, especially if your business spends a lot at Hilton in those elevated (and broad) categories. The rates equate to a 7.2% return at Hilton properties and a 3.6% return on the business spending categories, per TPG valuations .
Redeeming points
Your Hilton Honors points can be redeemed for hotel nights, Hilton event discounts, Hilton Honors Experiences , with airline partners and on Amazon purchases. However, we recommend the first for the best value (by far).
Hilton Honors uses a dynamic pricing system, so you might want to use its Points Explorer tool to show you the award redemption price range for a specific property over the next 30 days.
Check out the following guides if you’re looking to maximize your next Hilton redemption:
Card benefits
The Amex Hilton Honors Business includes a few nice benefits for a mid-tier card:
- Complimentary Hilton Honors Gold elite status: With Gold status, you’ll enjoy an 80% points bonus on Hilton stays, the fifth night free on award redemptions, elite tier rollover nights, complimentary breakfast or food and beverage credits at all hotels and room upgrades.
- Upgrade to Diamond status : You can upgrade to Diamond elite status when you spend $40,000 with your card in a calendar year. With Diamond status, you’ll get access to superior upgrades, executive lounge access and a 48-hour room guarantee.
- Free night rewards: In addition to any free night awards included in a welcome offer, you can get two free night rewards each year with the Hilton Business card: one when you spend $15,000 in a calendar year and another when you spend $60,000 in that same calendar year. Note that you must call to book a stay using free night rewards.
- Priority Pass membership: The Hilton Business card includes 10 free visits to Priority Pass lounges , a network of over 1,300 locations in more than 150 countries.
- Travel protections: Baggage insurance *, secondary car rental loss and damage insurance **, access to the Global Assist Hotline #, and extended warranty * and purchase protection * benefits are available to cardmembers.
- Expense management tools: Lastly, you’ll have access to the American Express Business app, QuickBooks integration, Vendor Pay and more.
Enrollment is required for select benefits.
Related: Your complete guide to shopping protections on American Express cards
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
**Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
#Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.
Bottom line
The Hilton Amex Business offers a more-than-healthy return when you use the card during Hilton stays, plus a bevy of perks like lounge access and Gold status, all for a moderate annual fee. If you spend a lot of time at Hilton properties, this card is a great option and well worth the low price tag.
Application link: Hilton Honors Amex Business card with 150,000 Hilton Honors bonus points and a free night award after you spend $4,000 on purchases within the first three months of card membership.
For rates and fees of the Amex Hilton Business card, click here .