Hilton Honors Amex Business Card

welcome offer

Earn 125,000 points after $3,000 spent within the first 3 months (terms apply).

Bonus Cash Value

Approximately $625*

Annual Fee

$95

Card Rewards

Earn 12 points on every dollar spent on Hilton purchases

Earn 6 points on for every dollar spent at US gas stations, restaurants, flights booked directly with Airlines or Amex travel, car rentals booked directly from select car rental companies, wireless telephone services purchased directly from U.S. service provider, and U.S. purchases for shipping

Earn 3 points on all other purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Hilton Honors Amex Business card is a great card for those traveling and booking with Hilton Hotels. You will earn 12 points on dollars spent on Hilton purchases. Get upgraded to Gold status (or even Diamond Status if you swipe more then $40k annually on the card). The Hilton Honors Business card is also the cheapest credit card that comes along with the Priority Pass airport lounge access.

Card-Smart Tips & Advice
  • Fair credit is ok
  • You can only get approved for 2 Amex cards in 90 days. A customer can have up to 4 Amex credit cards (excluding charge cards). If you already have 4 open Amex credit cards you may be declined (this is not always enforced)
  • Amex will not report business credit cards on personal credit reports
  • Amex will usually pull your Experian credit report
  • You can check your application status  here  or call 1 800 567 1083
  • If declined you can call 1 800 567 1083 to be reconsidered
Card Details And Benefits
  • Complimentary Hilton Gold Status
  • Upgrade to Hilton Diamond Status after $40,000 spent in a calendar year
  • Earn a free weekend night reward from Hilton Honors after $15,000 made in eligible purchases in a calendar year
  • Earn a second free weekend night reward after an additional $45,000 spent in that same calendar year
  • Receive 10 free airport lounge visits with Priority Pass
  • Global Assist Hotline
  • No Foreign Transaction Fee
  • Lounge Access
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardHilton Honors Amex Aspire CardHilton Honors Amex Business CardAmex Hilton Surpass Card
Welcome BonusEarn 150,000 points after $4,000 spent within the first 3 months (terms apply). Expires 12/05/2020.Earn 125,000 points after $3,000 spent within the first 3 months (terms apply).Earn 125,000 points after $2,000 spent within the first 3 months (terms apply). Expires 12/31/2020.
Annual Fee$450$95$95
Rewards- Earn 14 Hilton Honor points per $1 spent on Hilton hotels - Earn 7 Hilton Honor points per $1 spent on flights booked through amextravel.com or directly with the airline, and on car rentals booked directly with the company - Earn 7 Hilton Honor points per $1 spent restaurants - Earn 3 Hilton Honor points per $1 on all other eligible purchases- Earn 12 points on every dollar spent on Hilton purchases - Earn 6 points on for every dollar spent at US gas stations, restaurants, flights booked directly with Airlines or Amex travel, car rentals booked directly from select car rental companies, wireless telephone services purchased directly from U.S. service provider, and U.S. purchases for shipping - Earn 3 points on all other purchases- Earn 12 points on every dollar spent on Hilton purchases - Earn 6 points on for every dollar spent at US gas stations, supermarkets and restaurants - Earn 3 points on all other purchases
Upgraded StatusEnjoy complimentary Hilton Diamond statusEnjoy complimentary Hilton Gold Status. Earn Hilton Honors Diamond Status through the next calendar year after $40,000 spent annuallyEnjoy complimentary Hilton Gold Status. Earn Hilton Honors Diamond Status through the next calendar year after $40,000 spent annually
CreditsReceive $250 airline fee credit per year for incidental fees. Receive a $250 credit each year for purchases at participating Hilton Resorts. Receive a $100 property credit when booking 2 nights or more at Waldorf Astoria or Conrad Hotels (reference ZZAAP1 when booking by phone)
Free Night CertificateReceive 1 free Hilton weekend night the first year, and every year upon renewalEarn a free weekend night reward from Hilton Honors after $15,000 made in eligible purchases in a calendar yearEarn a second free weekend night reward after an additional $45,000 spent in that same calendar yearEarn a weekend night reward from Hilton Honors after $15,000 spent in a calendar year
No Foreign Transaction FeeNoneNoneNone
Lounge AccessAccess for you plus two guests to 12,000+ airport lounges, with a complimentary Priority Pass Select MembershipReceive 10 free airport lounge visits with Priority PassReceive 10 free Priority Pass lounge passes annually
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to a unforeseen medical emergency, etc. Max $10,000 per person per trip for a max of $20,000 per year.
Auto Rental Collision InsuranceSecondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $75,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).Secondary worldwide coverage (excluding Australia, Italy, and New Zealand) on rentals up to 30 days (max $50,000). You can purchase from Amex a premium plan that will offer primary coverage up to 42 days (max $100,000).
Lost Luggage ReimbursementUp to $2,000 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)Up to $500 per person for lost or damaged luggage (max $10,000 per trip for NY residents)
Trip Delay ReimbursementIf your flight is delayed more than 6 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items (up to two claims per year).
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $300 per claim, $1,000 per year)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 5 years or less. Max $10,000 each claim and $50,000 per year.
Purchase ProtectionGet refunded if your purchase is damaged, lost, or stolen for up to 90 days from the date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 90 days from date of purchase. Max $1,000 per claim ($50,000 per year)
Authorized User Fee$0$0$0

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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