Hilton Honors American Express Business Card Review

Top perks

You’ll find a lot of perks common to hotel credit cards, plus a special lounge access perk that could be valuable for frequent travelers.

Welcome offer worth 130,000 points

Purchase rewards are great, but sign-up bonuses are the heart of getting free travel from a credit card. And the Hilton Honors American Express Business Card has a big, six-digit welcome bonus. New cardholders can earn 130,000 points when they spend $3,000 on their card within the first three months of account opening. How many nights that’ll get you will vary a lot with where (and when) you stay, but it should get you at least one or two nights at high-end Hilton properties and three or four nights at lower-tier properties.

Earn up to 12x points per dollar on purchases

Your average card may have two or three bonus categories. But the Hilton Honors American Express Business Card offers more than twice that — many of them in extremely useful categories. Cardholders can earn:

  • 12x points per dollar on Hilton purchases
  • 6x points per dollar at US gas stations
  • 6x points per dollar at US restaurants
  • 6x points per dollar with US wireless television providers
  • 6x points per dollar on US shipping purchases
  • 6x points per dollar on flights booked with airlines or through Amex
  • 6x points per dollar on car rentals booked with select rental companies
  • 3x points per dollar on other purchases

Some of these categories are common — gas rewards cards seem to be a dime a dozen, for instance — but others less so. You’ll need to figure out how much you value Hilton points to decide whether this card should replace your other cards for these purchases.

Automatic Gold status

A marquee perk of many hotel credit cards, the Hilton Honors American Express Business Card included, is that they guarantee a certain level of elite status with the hotel. In this case, Hilton Honors American Express Business cardholders get automatic Gold status with Hilton. This is the second-highest status tier, and it has a lot of benefits. For one, you’ll get an 80% bonus on points earned on stays. Plus, a daily food and beverage credit or free continental breakfast (property dependent). If you stay with Hilton at least a few times a year, Gold status could make up for the card’s annual fee in and of itself.

10 annual Priority Pass lounge visits

Usually reserved for airline cards or expensive travel rewards cards, the Hilton Honors American Express Business Card actually comes with annual airport lounge passes. In particular, you’ll get 10 annual Priority Pass lounge passes. Priority Pass is an airport lounge network with more than 1,300 lounges worldwide. Ten passes a year should cover the needs for any casual business traveler. You may even have enough left over to use on a family vacation or two.

No foreign transaction fees

Having no foreign transaction fees is a valuable perk for any travel card, including the Hilton Honors American Express Business Card. Foreign transaction fees can tack an extra 3% onto transactions you make abroad in a foreign currency. They can also kick in when you make purchases in any currency that route through foreign banks. Without these fees, you can travel or make purchases from foreign suppliers without worrying about the extra costs from unnecessary fees.

Free employee cards

The Hilton Honors American Express Business Card lets you have multiple employee cards, all for free. Employee cards are a great way to stay on top of your company’s finances. They allow your employees to make purchases with your account — and you earn rewards on those purchases. You can set individual spending limits for each employee card, as well as set up purchase alerts. Plus, you can receive regular summary reports to make bookkeeping a breeze.

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