The Hilton Honors American Express Business Card

Hilton Business Credit Card Review Highlights

Big Initial Bonus

130,000 points for spending $3,000 in the first three months. The average credit card with points or miles offers 22,150 points/miles.

Annual Spending Bonus

1-2 free weekend nights. You can get one free night by spending $15,000 in a year and another by spending a total of $60,000.

High Rewards Rates

3 – 12 points / $1. You earn 12 points per $1 at Hilton properties, 6 points per $1 on certain business and travel purchases, and 3 points per $1 on everything else.

6-Point Business Purchases

U.S. shipping, wireless phone service purchased directly from U.S. providers, and U.S. gas stations.

6-Point Travel Purchases

Flights booked directly with airlines (or through Amex), car rentals booked directly with rental agencies, and dining at U.S. restaurants. That last one may seem a bit random, but you’ll take it, right?

Low Point Value

$0.0049 per point. On average, other credit card’s points are worth about a penny apiece – nearly twice as much as Hilton Honors points.

Reasonable Annual Fee

$95. 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

15.74% – 24.74% (V), depending on creditworthiness. For context, credit cards for people with excellent credit charge interest at an average annual rate of 12.99%. Credit cards for good credit charge 19.24% on average.

Limited Lounge Access

10 visits per year. That’s all the Hilton Business Card’s complimentary Priority Pass Select membership provides.

Hilton Honors Status

Gold. Cardholders automatically earn this status as long as the account is open.