The Hilton Honors American Express Business Cards are useful for providing a meaningful value with included elite status and quarterly statement credits, if your business frequently books stay with Hilton Hotels & Resorts.

The Hilton Honors Gold status, high earning rates on Hilton purchases and up to $240 in annual Hilton statement credits are included with this mid-tier hotel business card (see rates and fees). It can be a good idea for business owners who stay at Hilton properties at least – sometimes – even though these benefits are in place.

We recommend that applicants have good to excellent credit to improve their approval odds.

Here’s what you need to know before adding it to your wallet.

Card rating*: ⭐⭐⭐

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Hilton Honors American Express Business Card: The basics

It is Hilton’s only cobranded small-business card, the Hilton Honors American Express Business Card. The only way to qualify is a storefront or employees freelance work, consulting and other side hustles are enough.

This is its biggest selling point, as it offers a status of automatic Hilton Honors Gold elite that unlocks valuable amenities such as ‘5 night free on reward stays; – daily food-and-beverage credit (varies by brand and region) and space-available room upgrades.

CLINT HENDERSON/THE POINTS GUY

Key highlights include:

• 12 points per dollar spent on eligible purchases at Hilton hotels and resorts
  During other eligible purchases each calendar year, * 5 points per dollar on the first $100,000 (then 3 points Per Dollar)*.
• Complimentary Hilton Honors Gold status
• Up to $240 per year in Hilton statement credits (up to $60 per quarter)

But unlike some other competing hotel business cards, including the Marriott Bonvoy Business® American Express® Card, it does not offer an annual free night award.

Hilton Honors American Express Business Card pros and cons

| Pros | Cons |
| — | — |
| * Complimentary Hilton Gold elite status * Up to $240 in annual Hilton statement credits (up to $60 per quarter) * High earning rate at Hilton properties * Complimentary National Car Rental Emerald Club Executive status† * Pathway to Hilton Diamond status through spending †Enrollment required | * No annual free night rewards * Relatively high annual fee for limited benefits * Limited bonus categories outside Hilton * Statement credits are issued quarterly, not all at once |

Hilton Honors American Express Business Card benefits

For a $195 annual fee, the Hilton Amex Business offers a focused set of Hilton-specific perks.

Hilton Honors Gold elite status

Hilton Amex Business cardholders receive automatic Gold status, which includes:

• 80% bonus on base points earned during paid stays
• Complimentary breakfast or daily food-and-beverage credits (brand-dependent)
• Space-available room upgrades
• Fifth night free on award stays
• Elite rollover nights

CARLY HELFAND/THE POINTS GUY

If you stay with Hilton several times a year, especially if you take advantage of breakfast benefits and the fifth-night-free perk (and even unless you use gold status alone), it can offset much of the annual cost.

Hilton statement credits

Assuming up to $240 in statement credits per calendar year (up to $60 per quarter) for purchases directly made with Hilton properties, earns as much as $250.

Charges include room rates and incidental costs like dining or spa services. Using the quarterly credits, you can effectively reduce the card’s net cost to negative territory if you use it all in your entirety.

National Car Rental Emerald Club Executive status

Hilton Amex Business cardholders receive complimentary Emerald Club Executive status with National (enrollment required). Benefits include:

• Guaranteed upgrades
• Access to the Executive Area
• Expedited service

Upgrade to Diamond status through spending

In a calendar year, spend $40,000 on eligible purchases with the card and you’ll earn Hilton Diamond status through the end of the next calendar month. A diamond is a lounge access, better upgrade potential and ’48 hours room guarantee’.

LEOPATRIZI/GETTY IMAGES

Nevertheless, if you are looking for Diamond status as your main objective, I would recommend applying for the Hilton Honors American Express Aspire Card (which automatically includes Diamond).

Business tools and protections

If you’re a business cardmember, you can use tools such as QuickBooks integration and Vendor Pay by Bill. The benefit of com (benefits require enrollment) If you use it for eligible purchases, the card also contains travel protections and purchase guards when used.

Related: Your complete guide to shopping protections on American Express cards

Earning points on the Hilton Honors American Express Business Card

The Hilton Amex Business card is a way to earn 12 points per dollar at Hilton hotels and resorts with the cards. According to TPG’s March 2026 valuations, that’ll be 6% return on spending for paraphrasingr.

Similarly, you’ll get 5 points per dollar for every other item that can be eligible (up to $100,000 each calendar year), then 3 points/dollars after that).

The best return on Hilton purchases is for the same as those of Hilton’s other credit cards, so you get it like with your card. It will give you 1. Five percent-two 5%-2 . Based on our valuations, 5% return on your other business related spending.

The Waldorf Astoria Cancun. CAROLINE LASCOM/THE POINTS GUY

Related: How to pick a strategy for your small-business credit cards

Redeeming points on the Hilton Honors American Express Business Card

With the Hilton Amex Business card on hotel bookings, as with most hotel loyalty programs, the best value comes from your points earned.

Several ways you can earn Hilton Honors points for your own money. Hilton event discounts, Hilton Honors Experiences and Amazon purchases are a poor value for hotel redemptions; the best value is at least in terms of hotel redeemers.

Although the award chart for Hilton Honors is not published, Points Explorer tool can tell you how much it will cost to redeem an award over the next 30 days. This can help you know where to look for places to use your points.

DAISY HERNANDEZ/THE POINTS GUY

A. TPG Contributing Editor Matt Moffitt likes to redeem his Hilton Honors points for booking three- and four-star hotels abroad, which is used by the company’s own writer of The Telegraph News Service (TPG) as a way to earn three star hotel in one year with two stars on an international basis. Redeeming value is generally more than in the U.S., as it tends to be higher for these properties compared to those of other properties (such as ). S, meanwhile.

The elite status that comes with his Hilton cobranded cards means he wants to book five-night stays, as a luxury card is required for four stay.

Related: Ultimate guide to the Hilton Honors loyalty program

Transferring points with the Hilton Honors American Express Business Card

There are several airline partners that you can link to where you earn your points on the Hilton Amex Business card. Some of these are noteworthy, such as Air France-KLM, British Airways, Delta Air Lines and United Airlines.

The Hilton points usually transfer at a low rate; for example, when you move to United, you’ll only get 1,000 MileagePlus miles in exchange for 10,000 Hilton Honors points.

WASHINGTON HILTON/FACEBOOK

If you have a Hilton point, but this redemption option is very expensive and we don’t recommend it to transfer your points to airlines because of the value that makes up such re-entering. If you have to cut off your airline rewards balance, there’s probably a better and more value-conscious way to do it even if you need to top that up.

RELATED From the Florida Keys to Maldives 7 great hacks for 130,000 Hilton Honor points and a free night reward**

Potential drawbacks to the Hilton Honors American Express Business Card

The Hilton Amex Business is a relatively niche business card. If you:

• Don’t stay at Hilton properties regularly
• Won’t fully use the quarterly Hilton credits
• Prefer flexible, transferable points

You’ll likely get better long-term value from a different business rewards card.

Related: How to choose the best credit card for your business expenses

Is the Hilton Honors American Express Business Card worth it?

The Hilton Amex Business is worth considering if:

• Your business books Hilton stays several times per year
• You value automatic Gold status
• You can reliably use the up to $240 in annual Hilton statement credits

MASKOT/GETTY IMAGES

It’s less compelling if you want premium perks like annual free night awards or automatic Diamond status.

When to apply for the Hilton Honors American Express Business Card

If you spend $8,000 on purchases in the first six months of card membership, New Hilton Amex Business cardmembers earn 175,000 Hilton Honors bonus points and a free night reward.

The 175,000 bonus points are $875 plus the free night reward, TPG’s March 2026 valuations show that they represent a value of $825.

I know that Amex gives you one welcome bonus per card in a lifetime. So it’s very important to apply at the right time, remember? When applying for a welcome bonus, Amex will alert you before you apply.

Related: Best time to apply for Hilton American Express cards based on offer history

Other cards to consider if you don’t want the Hilton Honors American Express Business Card

Hilton’s only business card is the Hilton Amex Business card, which is a separate type of businesscard for its own company. However, it has strong competition from other cobranded hotel cards and standard business cards.

• If you prefer Marriott: The

Marriott Bonvoy Business American Express Card

offers automatic

Gold Elite status with Marriott Bonvoy

and a free night award on each account anniversary for an annual fee of $125 (see

rates and fees

). To learn more, read our

full review of the Amex Marriott Bonvoy Business

.

• If you prefer Hyatt: The

World of Hyatt Business Credit Card

(see

rates and fees

) offers entry-level

Discoverist status

Hyatt purchases for $199 annual fee include for you and up to five employees and annual statement credits. read our review of to learn more.

full review of the World of Hyatt Business

.

• If you want flexible points: The

American Express® Business Gold Card

earns Membership Rewards points that transfer to Hilton and other partners, though it carries a $375 annual fee (see

rates and fees

).

For more options, see our list of the best business credit cards, best Hilton credit card and best American Express cards.

Related: How to apply for an Amex business card

Bottom line

Business owners who stay with Hilton consistently and can use its quarterly statement credits, should be given the Hilton Honors American Express Business Card.

But while it will not be competing with high-end luxury perks like premium hotel cards, for those who are loyal to Hilton and want automatic Gold status and solid earning rates at a midrange annual fee, it can offer steady value year after year.

Apply here: Hilton Honors Amex Business card

For rates and fees of the Amex Hilton Business card, click here.
For rates and fees of the Amex Marriott Bonvoy Business card, click here.
For rates and fees of the Amex Business Gold card, click here.

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