The Hilton Honors American Express Business Card is the best credit card for small business owners who spend a lot of time on the road and prefer to always stay at a Hilton hotel or resort. The Hilton Business Credit Card has a huge limited-time initial rewards bonus offer -
175,000 points after you spend $8,000 in purchases within the first 6 months (limited time offer, ending 6/5). The bonus points are worth about
$1,067.5 in Hilton reservations on average, according to WalletHub’s calculations, enough to cover the cost of the card’s
$195 annual fee for many years. That’s on top of the 12 points per $1 spent on purchases at hotels and resorts in the Hilton portfolio, and 3-5 points per $1 on other expenses.
The Hilton Business Credit Card provides plenty of other ongoing perks, too. Cardholders automatically enjoy Hilton Honors Gold Status, the benefits of which include complimentary breakfast, room upgrades when available, and free nights. The Hilton Business Amex Card has a
0% foreign transaction fee, too.
What you don’t want to use the Hilton Business Amex for are purchases that you won’t be able to pay off entirely by the due date each month. The card has a high APR. You probably don’t want to apply if you have less-than-good credit personally, either. Personal credit history tends to matter more than business credit history with small business credit cards, and a
700+ score is recommended for high approval odds in this case. You can
check your credit score for free on WalletHub.
To help you decide whether it’s worth applying for the Hilton Business Credit Card, we’ll summarize the card’s key terms below, along with some added information for context.
Hilton Business Credit Card Review Highlights - Big Initial Bonus: New cardholders can now earn 175,000 points after you spend $8,000 in purchases within the first 6 months (limited time offer, ending 6/5). The average credit card with points or miles offers 31,964 points/miles.
- High Rewards Rates: 3 - 12 points / $1. You earn 12 points per $1 at at hotels and resorts in the Hilton portfolio, 5 points per $1 on other purchases (on the first $100,000 spent each calendar year), and 3 points per $1 after that.
- Low Point Value: 0.61 cents per point. On average, other credit cards’ points are worth about a penny apiece – nearly twice as much as Hilton Honors points.
- Annual Fee: $195. One year with some other business rewards cards can buy you several years with the Hilton Business Credit Card.
- No Foreign Fee: Over 75 countries have Hilton properties. It’s good to know that you won’t have to pay an international surcharge on purchases if you visit one located outside the U.S.
- High APR: 20.99% - 29.99% (V), depending on creditworthiness. For context, credit cards for people with excellent credit charge interest at an average annual rate of 18.04%. Credit cards for good credit charge 24.12% on average.
- Hilton Honors Status: Gold. Cardholders automatically earn this status as long as the account is open.
If you’re not sold on the Hilton Business Credit Card, you may want to consider using one of the
best Hilton credit cards for consumers. You will be personally liable for unpaid balances whether you use a business credit card or a general-purpose credit card, after all.
Our editors’ picks for the
best hotel credit cards available right now are another good resource.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.