The Hilton Honors American Express Business Card Review

The Hilton Honors American Express Business Card Review

The Hilton Honors American Express Business Card is a credit card designed for small businesses that frequently travel for work or stay at Hilton properties. It offers a combination of rewards points for Hilton stays and travel purchases, complimentary airport lounge access, and automatic mid-tier Hilton Honors elite status.

This Card offers 12X directly with hotels & resorts in the Hilton portfolio and 6X on Select Business & Travel Purchases. 3X on all other eligible purchases. With a moderate annual fee, this Card can be a good value for businesses that can meet the spending requirements to offset the cost and maximize the rewards potential.

Quick Highlights of The Hilton Honors American Express Business Card

• This Card allows a generous welcome offer of 130,000 Hilton Honors Bonus Points for new card members. To earn this bonus, you must spend $3,000 on eligible purchases within the first three months of Card Membership.
• You can earn Hilton Honors Bonus Points for every dollar spent on eligible purchases. This includes an impressive 12X points directly with resorts and hotels in the Hilton portfolio, making it an ideal card for frequent travelers. Plus, cardholders can earn 6X points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants. And for all other eligible purchases, cardholders can earn 3X points.
• In addition to earning points, the Hilton Honors American Express Business Card offers cardholders complimentary Hilton Honors Gold Status. This status provides access to perks such as room upgrades, late check-out, and complimentary breakfast at Hilton properties.
• Cardholders can also earn free night rewards with this Card. After spending $15,000 on Card purchases within a calendar year, they will receive one Free Night Reward from Hilton Honors. Those who spend an additional $45,000 in purchases in the same calendar year will earn another Free Night Reward.
• Terms and conditions apply to all of these benefits, so be sure to read the fine print. Overall, the Hilton Honors American Express Business Card is a great option for those who frequently stay at Hilton properties and want to earn valuable rewards and perks for their loyalty. So, if you are looking for a business credit card that offers great travel

Rewards and Benefits of The Hilton Honors American Express Business Card

Rewards of The Hilton Honors American Express Business Card

• The Hilton Honors American Express Business Card is a great choice for those looking to maximize their rewards when traveling and conducting business. You can earn 12X points directly with hotels and resorts in the Hilton portfolio. This includes over 6,000 properties across 119 countries and territories, giving you plenty of options for your next trip.
•  You also enjoy 6X points on select business and travel purchases, making this card a valuable asset for those who frequently travel for work. This category includes airfare, car rentals, and dining at restaurants within the US. Additionally, you can earn 3X points on all other eligible purchases.
• One of the best features of The Hilton Honors American Express Business Card is that there are no foreign transaction fees. This means you can use the card to earn points on all your business and travel expenses, even when traveling abroad. Plus, with the wide range of Hilton properties worldwide, you’ll have plenty of opportunities to redeem your rewards.

Redeem Rewards

Free Hotel Stays: One of the most popular ways to redeem Hilton Honors points is by booking free hotel stays at Hilton properties worldwide. With the Hilton Honors American Express Business Card, you can enjoy complimentary nights at any participating hotels within the Hilton portfolio, including brands like Hilton Hotels & Resorts, Conrad Hotels & Resorts, and Waldorf Astoria Hotels & Resorts. The number of points required for a free night will vary depending on the hotel’s category, location, and season.

Upgrades and Premium Room Rewards: If you want to enhance your hotel experience, you can use your Hilton Honors points for room upgrades or book premium room rewards. This allows you to enjoy a higher room category or access special amenities with upgraded accommodations. It’s a great way to make your stay more enjoyable and luxurious.

Experiences and Events: Hilton Honors offers a range of unique experiences and events that can be redeemed using your points. These may include exclusive access to concerts, sporting events, culinary experiences, and more. Keep an eye on the Hilton Honors website or app for the latest offerings and opportunities to redeem your points for memorable experiences.

Airline and Rail Partners: Hilton Honors has partnerships with various airlines and rail companies, allowing you to transfer your points to frequent flyer and rail loyalty programs. This provides greater flexibility in using your rewards for flights or train travel, expanding your options for experiencing different destinations.

Car Rentals: If you’re planning a road trip or simply need a car at your destination, you can redeem your Hilton Honors points for car rentals. The program partners with major car rental companies, making it easy to use your points to offset the cost of your rental and save some money.

Benefits of The Hilton Honors American Express Business Card

• Generous Welcome Bonus: The card often comes with a substantial welcome bonus, which can be earned after meeting the low spending requirement within the specified timeframe.
• Hilton Honors Points: Cardholders earn Hilton Honors points on all eligible purchases. You can earn a higher rate of points for spending at Hilton properties and for other eligible purchases.
• Complimentary Hilton Honors Elite Status: Cardholders automatically receive complimentary Hilton Honors Gold status, which provides benefits like room upgrades, late check-out, and complimentary breakfast at participating hotels. You can earn Hilton Honors Diamond status if you spend $40,000 on eligible purchases in a calendar year.
• Weekend Night Rewards: Cardholders can earn a Weekend Night Reward after spending a certain amount on eligible purchases within a calendar year. This reward can be used for a one-night stay at participating Hilton properties.
• Priority Pass Select Membership: Cardholders receive a membership, which grants access to over 1,300 airport lounges worldwide. This benefit can enhance your travel experience by providing a comfortable and relaxing space during layovers or delays.
• Car Rental Loss and Damage Insurance: When you use your Hilton Honors American Express Business Card to pay for a car rental, you may be eligible for car rental loss and damage insurance coverage. This benefit can save you money by providing coverage for theft or destruction of the rental vehicle.
• Travel and Purchase Protections: The card offers various travel and purchase protections, including baggage insurance, trip delay insurance, and extended warranty coverage. These protections can provide added peace of mind when traveling or making purchases with your card.
• No Foreign Transaction Fees: The card has no foreign transaction fees, making it a great choice for international travel or purchases made in foreign currencies.
• Expense Management Tools: As a business card, it provides tools and features to help manage business expenses efficiently. This includes setting employee spending limits, receiving detailed statements, and integrating with popular expense management platforms.

Rates and Fee of The Hilton Honors American Express Business Card

Rates

• Regular APR: 20.99% – 29.99% variable
• Intro Purchase APR: N/A
• Intro Balance Transfers APR: N/A
• Annual Purchase APR: 20.99%
• APR Cash Advance: 29.99%

 Fees

• Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater.
• Foreign Transaction: None
• Late Payment: Up to $39
• Over limit: None
• Returned Payment: $39
• Annual Fee: $95

Eligibility Criteria

• Business Ownership: This card is for business owners or authorized representatives. Sole proprietors, freelancers, and those with side hustles may qualify.
• Age: Be at least 18 years old.
• Location: You must have a valid Social Security number or Individual Taxpayer Identification Number (ITIN) and a U.S. address.
• Credit Score: Generally, good to excellent credit is preferred for approval. A score of 670- 850 is preferred.
• Business Revenue: While not a confirmed requirement, sufficient business income to comfortably meet card obligations is likely a factor.

Approval Process

The Hilton Honors American Express Business Card application process is typical of most business credit cards. You can expect the following:

1. Online Application: Apply on the American Express website.
2. Verification: American Express will verify your business information and likely perform a credit check.
3. Approval Notification: You’ll receive a notification within minutes of applying, indicating approval or denial.

Tips for Approval

• Healthy Business Finances: Show a strong track record of business income and responsible financial management.
• Creditworthiness: Maintain a good credit score and limited credit utilization.
• Application Accuracy: Ensure all information on the application is accurate and complete.
• Consider Business Needs: Make sure the card’s rewards and benefits align with your business spending habits.

How to Apply

• Online:  American Express offers the application for the Hilton Honors Business Card directly on their website. You can find it by searching for “Hilton Honors American Express Business Credit Card”: https://www.americanexpress.com/us/credit-cards/card/hilton-honors/.
• By phone: You can also call American Express to apply for the card. The general customer service number is 1-800-528-4800.

Here are some additional things to keep in mind before applying:

• Gather your information: When you apply, you’ll need to have some basic business information on hand, such as your business tax ID number (EIN), annual revenue, and business type.
• Review the terms and conditions. Before applying, Ensure you understand the card’s interest rate, annual fees, and rewards program.

Customer Service Number/ Phone Number

You can call American Express customer service at 1-800-297-7327 for 24-hour customer service.

Conclusion

The Hilton Honors American Express Business Card is a good option for small businesses that frequently travel and stay at Hilton properties. It offers a decent welcome bonus, ongoing rewards at an accelerated rate for hotel stays and certain business purchases, and automatic mid-tier Hilton Honors elite status.

The card also has travel perks, including ten complimentary Priority Pass lounge visits yearly and no foreign transaction fees. However, the card does have a $95 annual fee, so be sure you can spend enough to offset the cost with rewards before applying.

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