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 elevated rewards for all other purchases. 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 $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Terms Apply.

Our Rating

4.3/5.0

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points

Annual Fee

$195

0% Intro on Purchases

N/A

Reward Rate

3x to 12x points

0% Intro on Balance Transfers

N/A

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Editorial Review

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

5x points
Select Categories
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
12x points
Hotels
12X directly with hotels and resorts in the Hilton portfolio

Interest Rates & Fees

Annual Fee$195
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.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

  • 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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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To view rates and fees of the The Hilton Honors American Express Business Card, see this page.