The Hilton Honors American Express Business Card

card_name is a co-branded hotel card designed for business people who stay at Hilton Hotels when they travel. Hilton has over 7,000 properties in 123 countries, so it’s easy to find a place to stay. There’s a generous welcome offer and great rewards when you stay at a Hilton. There are also rewards for essential purchases a small business owner might make, such as shipping, cell phone service and gas. We dive into the details and your approval odds in this Hilton Honors Amex Business review.

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.

Our Rating

4.3/5.0

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points

Annual Fee

$95

0% on Purchases

N/A

Reward Rate

3x to 12x points

0% on Balance Transfers

N/A

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.

Features & Benefits

SecurityEMV Chip Enabled, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Airport Lounge Access, Luggage Protection

Rewards

3x points
On all other eligible purchases
3X on all other eligible purchases.
6x points
Cell phone service
6X on wireless telephone services purchased directly from U.S. service providers.
6x points
Select Categories
Earn 6X on U.S. purchases for shipping.
6x points
Airfare
6X on flights booked directly with airlines or with Amex Travel.
6x points
Rental Cars
6X on car rentals booked directly from select car rental companies.
6x points
Dining
6X at U.S. restaurants.
6x points
Gas
6X at U.S. gas stations.
12x points
Hotels
12X directly with hotels and resorts in the Hilton portfolio.

Interest Rates & Fees

Annual Fee$95
Foreign Transaction FeeNone
Regular APR20.99% - 29.99% (V) APR

Insurance

Extended Warranty

When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details.
  • Underwritten by AMEX Assurance Company.

Lost Baggage Insurance

Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.

  • Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. 
  • Please visit americanexpress.com/benefitsguide for more details. 
  • Underwritten by AMEX Assurance Company.

What Credit Score Is Required to Get the The Hilton Honors American Express Business Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 686

Average Approved Credit Score: 686

App StatusDateCredit ScoreBureauCredit Limit
Approved05/22/2022
686
Experian
$3,000

Pros & Cons

Pros
  • Welcome offer
  • No foreign transaction fee
  • Earn 12x at Hilton hotels
Cons
  • Annual fee
  • High APR

What Are the Best Alternatives?

Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® Card

Rating

4.4

Rewards Range

2x to 6x points

Annual Fee

$125

IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card

Rating

4.6

Rewards Range

3x - 26x points

Annual Fee

$99

Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card

Rating

4.7

Rewards Range

1-3x points

Annual Fee

$95

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