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 & fees for The Hilton Honors American Express Business Card please click here.

• Welcome offer

  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.

• 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:

  • Gas stations in the United States
  • Wireless telephone services purchased directly from U.S. service providers
  • U.S. purchases for shipping
  • Flights booked directly with airlines or with Amex Travel
  • Car rentals booked directly from select car rental companies

  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:

  • 80% bonus points on stays
  • Space-available room upgrades
  • Free continental breakfast

  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:

  • 100% bonus points on stays
  • Executive lounge access
  • Premium Wi-Fi
  • 48-hour room guarantee

• 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 ($695 annual fee) this is an excellent value.

  To see rates & fees for The Business Platinum Card^® from American Express please click here.

• 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 & 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 & fees for The Hilton Honors American Express Business Card please click here.

Compare it to the Ink Business Preferred^® Credit Card

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Ink Business Preferred^® Credit Card

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Ink Business Preferred^® Credit Card

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Intro Purchase APR N/A

Regular Purchase APR 17.49% - 22.49% Variable

Annual Fee $95

Rewards Rate 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.… Read More

Highlights

• Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Typical Credit Needed

750 850

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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:

• Aer Lingus AerClub
• British Airways Executive Club
• Emirates Skywards®
• Flying Blue Air France KLM
• Iberia Plus
• JetBlue TrueBlue
• Singapore Airlines KrisFlyer
• Southwest Airlines Rapid Rewards®
• United MileagePlus®
• Virgin Atlantic Flying Club
• IHG® Rewards Club
• Marriott Bonvoy
• World of Hyatt™

The Ink Business Preferred^® Credit Card also offers helpful travel and purchase benefits:

• Trip cancellation and trip interruption insurance.
• Roadside dispatch (you’ll likely incur a fee for services).
• Auto rental collision damage waiver (primary when renting for business purposes).
• Cellphone protection of up to $600 per claim with a $100 deductible.
• Purchase protection.
• Extended warranty protection.

And the Ink Business Preferred^® Credit Card offers free employee cards, too.

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 & fees for The Hilton Honors American Express Business Card please click here.

To see rates & fees for Marriott Bonvoy Business^® American Express^® Card please click here.

To see rates & fees for The Business Platinum Card^® from American Express please click here.