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If you’re a Hilton Honors fan with a small business, the Hilton Honors American Express Business Card can turn your company expenses into free award nights when you’re ready to take a break! And you’ll earn a whopping 125,000 bonus Hilton points after spending $3,000 on purchases in the first 3 months of account opening.
This is a terrific welcome bonus, and the card comes with lots of other perks. Plus, AMEX business cards don’t show up on your personal credit report, so this card won’t count toward Chase’s “5/24” rule!
I’ll share ideas on how to qualify, and ways to use the Hilton Honors American Express Business Card bonus!
Hilton Business Credit Card Review
Apply Here: Hilton Honors American Express Business Card
When you open the AMEX Hilton Business Card, you’ll earn 125,000 Hilton points after spending $3,000 on purchases in the first 3 months of card membership. You can learn more about how to meet credit card minimum spend here.
The $95 annual fee is NOT waived for the first year (See Rates & Fees). But with the big welcome offer and elite status, it can definitely be worth it.
Hilton doesn’t have a set award chart, so you’ll need to search when you’re ready to use your points to see how much an award night costs. When you find a room you like, the benefits of the card kick into gear.
For example, you’ll get free breakfast at Hilton hotels because of Gold elite status that comes with this card. And for longer stays, you’ll always get the 5th night free on award stays.
I found rooms at the Hilton Vienna near Stadtpark in the city center for 35,000 Hilton points per night. 4 nights would cost 140,000 Hilton points – so the welcome bonus gets you most of the way toward this award stay. But you get the 5th night for no added points and free breakfast each morning of your stay.
And you’d save nearly $900 by using your points! I’ve had great luck using my Hilton points for stays in Barcelona, Honolulu, Tokyo, and many other fantastic destinations.
How to Earn Points With the Hilton Business Credit Card
With this card, you’ll get:
- 12X Hilton points at Hilton hotels and resorts
- 6X Hilton points on select business & travel purchases (including wireless phone services from US providers, US restaurants, US gas stations, car rentals, and more)
- 3X Hilton points everywhere else
- Complimentary Hilton Gold status (late checkout, free breakfast at Hilton hotels, complimentary upgrades, 80% bonus on all the Hilton base points you earn)
- Hilton Diamond status after you spend $40,000 on eligible purchases on your card in a calendar year (you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year)
- A weekend night after spending $15,000 in purchases on your card in a calendar year
- A 2nd weekend night after spending an additional $45,000 in purchases on your card in the same calendar year
- Priority Pass™ Select membership with 10 free visits each year (enrollment required). Each guest you bring costs an additional free visit
- Terms & limitations apply
How to Use Hilton Honors Points Earned With the Hilton Business Credit Card
Hilton has several brands directed at different kinds of travelers. Hilton is one of the biggest hotel chains, so there’s likely a Hilton hotel nearby, no matter where you’re traveling.
Hilton hotels include:
- Embassy Suites
- Hampton Inn
- Hilton Garden Inn
- Hilton Grand Vacations
- Homewood Suites
- Waldorf Astoria
You can earn Hilton points MUCH faster than many other hotel chains. And it’s free to pool your Hilton points together with up to 10 friends and family each year! So booking expensive awards should be easier.
Hilton also gives you the option to pay for part of your award stay with points using the Points & Money feature. This is a great way to stretch your points even further.
Top-tier Hilton hotels can cost 95,000 Hilton points per night. So after you meet the AMEX Hilton small business card‘s spending requirements, you could use your 125,000 points to book a night at the best Hilton locations, like the Conrad Maldives, which can cost $1,400+ per night. And still have a bunch of points left over!
Or use the points to book a cheaper hotel, like the DoubleTree Kuala Lumpur, for over 2 weeks! It only costs 10,000 Hilton points per night.
Again, because you’ll get automatic Gold status when you have the AMEX Hilton small business card and therefore the 5th night free, you can stay 15 nights with 120,000 Hilton points (10,000 points per night X 15 nights = 150,000 points – 30,000 points for the 5th, 10th, and 15th night free).
Hilton Business Credit Card Benefits
The AMEX Hilton Business card comes with perks you won’t find on other cards.
Free Weekend Nights
If you’re a big spender, this card is worth keeping long term. You’ll earn free weekend nights (to use on Friday, Saturday, or Sunday) after spending $15,000 and $45,000 on purchases in a calendar year.
You can use these weekend nights at almost any Hilton hotel, including the Conrad Bora Bora Nui, which can easily cost $1,500+ per night!
Spend Your Way to Elite Status
You’ll earn Hilton Diamond status, the highest elite status, after spending $40,000 on purchases in a calendar year. That comes with benefits like a 100% bonus on base points, room upgrades, and guaranteed access to Executive Lounges. So by spending $45,000 on the card, you’ll earn 2 weekend nights and Hilton Diamond elite status.
Ten Lounge Passes
Folks who don’t have lounge access with another card will appreciate the 10 Priority Pass lounge visits per year. Considering day passes can be ~$50, if the lounge even sells them, this perk alone can cover the annual fee if you’ll use it.
Free ShopRunner Shipping
You’ll get a free ShopRunner membership with the card, which gets you free 2-day shipping at 100+ stores.
Access to AMEX Offers
Link: EVERYTHING You Need to Know About AMEX Offers
This is an easy way to save on purchases you might make anyway!
I’m always adding and redeeming these offers for bonus points, promotion codes, and statement credits. All you have to do is add them to your card and spend like normal.
Rental Car Insurance
You can get primary rental car insurance with the card when you enroll in the American Express Premium Car Rental Protection program for up to 42 days.
You must decline the rental agency’s collision insurance and charge the entire rental to your AMEX Hilton small business card to use the benefit.
If you rent vehicles for business often, this can be a tremendous money saver and give you peace of mind.
But you must opt-in to get coverage. If you don’t, coverage is secondary and covers up to a maximum of $50,000 per rental agreement.
When you purchase an item with your card, AMEX will extend the original manufacturer’s warranty up to 2 additional years, on US warranties of 5 years or less.
Your purchases are protected from accidental damage or theft for up to 120 days, up to $1,000 per occurrence and $50,000 per calendar year. And the coverage is secondary.
Complimentary Employee Cards (You Control the Spending!)
You can add employee cards to your AMEX Hilton small business account for free (See Rates & Fees). You’ll be able to set individual employee spending limits, plus you’ll earn rewards from their purchases!
Is the Hilton Business Credit Card Worth the Annual Fee?
If you make the most of just 1 of the perks, like free breakfast with Gold elite status, or use a few of the Priority Pass lounge passes, it’s easy to cover the cost of the annual fee.
Plus, all the other benefits, including AMEX Offers, free ShopRunner shipping, and free weekend nights for big spending, only add to the value you can get from this card.
Some aren’t as meaningful if you get the same perks with other AMEX cards you might already have. But if you spend a lot in the bonus categories, in might be worth it to earn extra Hilton points for award stays throughout the year.
Does the Hilton Business Credit Card Charge Foreign Transaction Fees?
No. (See Rates & Fees)
Do You Qualify for the Hilton Business Credit Card?
Link: Take My Hand! I’ll Guide You Through Applying for an AMEX Small Business Card
How to qualify for a small business credit card isn’t as complicated as you might think. You don’t need to be a huge corporation to open a small business card. You can use your own name as the legal business name. And your social security number as your business tax ID!
There are lots of side gigs you might want a business card for. Here are just a few activities that could qualify you for a small business card:
- Uber or Lyft driver
- Delivery driver with Postmates, GrubHub, or UberEATS
- Freelance graphic designer, photographer, writer, illustrator or artist
- Selling on eBay or Amazon for a profit
- Renting a spare room on Airbnb
- Dog walker
As a general rule, if you aren’t getting a W-2 form at the end of the year, you aren’t an employee and should qualify for a business credit card. But I am not a tax advisor, so always consult with a professional and do what is best for your situation.
Even though AMEX business cards won’t appear on your personal credit report, so they won’t count toward your Chase 5/24 limit, the bank will check your personal credit score. So I only recommend applying if your credit score is ~700 or higher and you can afford to pay off your credit card balance in full each month.
If you think you’ll qualify for the card and you’re ready to apply, check out my step-by-step guide on how to complete an AMEX business card application.
Keep in mind, you can only earn the welcome bonus on an AMEX card once per lifetime. But this card is still relatively new, so that shouldn’t be an issue for most folks.
Customer Support for the Hilton Business Credit Card
AMEX makes it easy to reach out via 24/7 phone support, secure messaging, or chat through their website.
I’ve called a few times recently and gotten great customer support agents. If you have a detailed question, be aware that each agent might not have the same knowledge of individual card products. So you may have to hang up and call back to get an answer.
But for most questions, I’ve found AMEX phone representatives to be competent.
Credit Cards Similar to the Hilton Business Credit Card
If you like to stay at Hilton, all 4 AMEX Hilton cards have increased welcome offers right now. Of course, they all earn Hilton points, but they’re all different as far as annual fees, which elite status you’ll get, and which categories earn bonus Hilton points.
The AMEX Hilton small business card is the only card aimed at small businesses. But if earning Hilton points or getting automatic elite status is your goal, you have a few other options.
You can earn 125,000 Hilton points after spending $3,000 in purchases on your card in the first 3 months of card membership.
With this bonus, you could book a long vacation at one of Hilton’s more inexpensive hotels. Or you could stay a night at a top-tier hotel, like the Conrad Koh Samui.
How to qualify for a small business credit card is easier than you might think. You can apply as a sole proprietor, and use your own name and social security number on the application. And lots of activities, like selling on eBay, renting your room on Airbnb, and driving with Uber or Lyft could make you eligible for a small business card.
You can apply for the Hilton Honors American Express Business Card here. Will you take advantage of this increased offer while it’s around?
For rates and fees of the Hilton Business Card, please click here.