Hilton Honors American Express Business Card

Overview of the Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is a premium travel rewards credit card specifically designed for small business owners who frequently stay at Hilton properties. With numerous benefits, including generous points on hotel stays, travel-related purchases, and business expenses, this card aims to enhance your travel experiences while providing valuable rewards. It stands out for its strong earning potential, no annual fee for the first year, and various travel perks that can significantly benefit business travelers.

Key Benefits and Features

This card offers a plethora of benefits tailored for business owners. Cardholders earn 12 Hilton Honors Bonus Points per dollar spent on eligible purchases at hotels and resorts within the Hilton portfolio, 6 points on U.S. gas stations, and 3 points on other eligible purchases. Additionally, new cardholders can earn a substantial welcome bonus after spending a specified amount within the first few months of account opening.

Furthermore, the Hilton Honors American Express Business Card provides complimentary Hilton Honors Gold status, which includes perks like room upgrades, late checkout, and bonus points on eligible stays. The card also features travel insurance, including baggage insurance and travel accident insurance, which can offer peace of mind during business trips.

Rewards Structure and Earning Potential

The rewards structure of the Hilton Honors American Express Business Card is designed to maximize value for cardholders who regularly utilize Hilton’s services. Here’s a detailed breakdown of how points can be earned:

• 12 Points: Earned on eligible purchases at Hilton hotels and resorts.
• 6 Points: Earned on U.S. gas stations, shipping purchases, and on select advertising in social media and search engines.
• 3 Points: Earned on all other eligible purchases.

To illustrate the potential rewards, consider a hypothetical scenario: If you spend $1,000 on eligible Hilton stays, $500 on gas, and $1,000 on other business expenses, you could earn:

Additional Travel Perks

Beyond the robust rewards program, the Hilton Honors American Express Business Card also provides several travel perks that can make your business travel more comfortable and enjoyable. Cardholders can benefit from:

• Free Weekend Night Reward: After spending a specified amount on eligible purchases in a calendar year, cardholders receive a weekend night reward that can be redeemed for a stay at a participating Hilton hotel.
• No Foreign Transaction Fees: This feature is particularly advantageous for business travelers who frequently travel abroad, as it allows for purchases without the additional costs associated with foreign transactions.
• Access to Amex Offers: Cardholders can take advantage of various offers and discounts on travel, dining, and shopping through the American Express network, further enhancing the value of the card.

Fees and Charges

Like any credit card, it’s crucial for potential cardholders to be aware of the fees associated with the Hilton Honors American Express Business Card. While the card has no annual fee for the first year, subsequent years come with an annual fee. Additionally, cardholders should be mindful of interest rates, late payment fees, and cash advance fees that may apply. Here’s a concise breakdown:

• Annual Fee: $95 (waived for the first year)
• APR: Variable APR based on creditworthiness
• Late Payment Fee: Up to $39
• Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater

Understanding these fees can help you manage your finances and make the most of the card’s benefits without incurring unnecessary charges.

Comparing with Other Business Credit Cards

When considering the Hilton Honors American Express Business Card, it can be useful to compare it with other business credit cards available in the market. Here’s how it stacks up against a couple of popular alternatives:

As illustrated, while the Hilton Honors American Express Business Card offers excellent rewards for Hilton stays, the Chase Ink Business Preferred may provide more extensive travel rewards on a wider range of travel expenses. Potential cardholders should evaluate their spending patterns and travel needs to determine which card aligns best with their business objectives.