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Business travelers who are loyal to Hilton hotels can find value in the Hilton Honors American Express Business Card, which charges a $95 annual fee. It earns rewards for purchase categories such as gas stations, flights and restaurants and offers helpful benefits including complimentary Hilton Honors Gold status and the ability to earn free weekend nights.
Hilton has 18 brands that fit into any company’s travel budget, such as the luxurious Waldorf Astoria Hotels & Resorts, the upscale Embassy Suites by Hilton and the midscale Hampton Inn. It covers more than 6,500 properties in 119 countries. However, businesses that don’t want to be tied to one hotel chain might prefer a card such as the Ink Business Preferred℠ Credit Card, issued by Chase.
We break down what the Hilton Honors American Express Business Card offers and how the Ink Business Preferred℠ Credit Card compares.
To see rates and fees for The Hilton Honors American Express Business Card please click here.
Intro Purchase APR
N/A
Intro BT APR
N/A
Annual Fee
$95
Regular Purchase APR
15.74% - 24.74% Variable
Cash Advance Fee
Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee
None
Balance Transfer Fee
N/A
Welcome offer
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021.
Generous rewards program
For ongoing rewards, this card offers 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
Purchases that may be eligible for 6X points include:
Redemption options include hotel stays, Hilton experiences, Lyft rides, shopping and rental cars.
Transfer points to travel partners
You can exchange points and miles with more than 30 participating airline, rail and mileage rewards programs worldwide. You can also exchange points between your Hilton Honors account and an American Express or Diners Club card.
Hilton Honors Gold and Diamond status
Hilton Honors Gold status is complimentary with your card, and offers benefits such as:
You can earn Diamond status by spending $40,000 in a calendar year on your card. Diamond status offers a wider range of benefits, including:
Earn free hotel nights
Cardholders can earn a weekend night from Hilton Honors after spending $15,000 on the card in a calendar year. And there’s a second weekend night available after spending $60,000 during the year (an additional $45,000 on top of the original $15,000 spent).
Free airport lounge visits
Enjoy 10 free visits each year to Priority Pass™ airport lounges (enrollment required). For the semi-frequent traveler who doesn’t need the extensive lounge access offered by a more expensive card such as the Business Platinum Card® from American Express ($595 annual fee) this is an excellent value.
No foreign transaction fee
If business takes you abroad, you can swipe the Hilton Honors American Express Business Card without worrying about an extra fee on every purchase – there is none.
To see rates and fees for The Hilton Honors American Express Business Card please click here.
Annual fee
It costs $95 a year to carry the Hilton Honors American Express Business Card. That’s reasonable for the value you can get from this card, but some business owners might prefer a no-annual-fee card.
You must spend to earn free nights
They’re called “free weekend nights,” but to earn them, you have to hit a certain spending amount each calendar year. You’ll earn the first free night after spending $15,000 and the second free night after spending an additional $45,000 (for a total of $60,000).
The rooms are standard and can only be booked for Friday, Saturday and Sunday stays.
Not all transfers are 1:1
Points may not transfer at 1:1 value. For example, if you want to exchange your Hilton Honors points for Delta miles, 10,000 points will equal 1,000 miles.
Diamond status requires spending
Cardholders get Hilton Honors Gold status just by having the Hilton Honors American Express Business Card. But to upgrade to Hilton Honors Diamond status, you’ll have to spend $40,000 on your card in a calendar year.
To see rates and fees for The Hilton Honors American Express Business Card please click here.
If you don’t want to tie your rewards to the Hilton Honors program, a better business card might be the Ink Business Preferred℠ Credit Card, which also charges a $95 annual fee and earns flexible Chase Ultimate Rewards® points.
Points can be redeemed for travel through the Chase Ultimate Rewards® portal, in which case they’re worth 25% more – for example, 100,000 points are worth $1,250 toward travel.
Or you can transfer your points at a 1:1 value to the following partners:
The Ink Business Preferred℠ Credit Card also offers helpful travel and purchase benefits:
And the Ink Business Preferred℠ Credit Card offers free employee cards, too.
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| The Hilton Honors American Express Business Card | Ink Business Preferred℠ Credit Card | Marriott Bonvoy Business™ American Express® Card | The Business Platinum Card® from American Express |
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Apply Now on American Express's secure site
Terms Apply
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Apply Now on Chase's secure site
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Apply Now on American Express's secure site
Terms Apply
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Apply Now on American Express's secure site
Terms Apply
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| Welcome Offer | |||
| Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, Earn Up to $100 in Statement Credits on eligible purchases made on the Card at any of the Hilton family of hotels in the first 12 months of Card Membership. Offer ends 8/25/2021. | Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. | Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 of eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. | Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. |
| Rewards Rate | |||
| 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply. | Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. | 6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. | 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. |
| Annual Fee | |||
| $95 | $95 | $125 | $595 |
| Regular APR | |||
| 15.74% - 24.74% Variable | 15.99%-20.99% Variable | 15.74% - 24.74% Variable | 14.24% - 22.24% Variable |
| Recommended Credit | |||
| Excellent/Good | Excellent | Excellent/Good | Excellent/Good |
| Card Details | |||
| The Hilton Honors American Express Business Card | Ink Business Preferred℠ Credit Card | Marriott Bonvoy Business™ American Express® Card | The Business Platinum Card® from American Express |
The Hilton Honors American Express Business Card offers generous rewards and helpful benefits for small businesses. If you and your employees frequent Hilton hotels when on the road, you may well get enough value from this card to make it worth the $95 annual fee.
But if you don’t want to be tied to Hilton-branded hotels, and you want to be sure if you transfer points that you’re getting a 1:1 value, the Ink Business Preferred℠ Credit Card is a better choice. The annual fee is also $95, and you have much more flexibility in how you use your rewards.
To see rates and fees for The Hilton Honors American Express Business Card please click here.