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One of two brand new Hilton co-brand cards and the first aimed at business owners, the The Hilton Honors American Express Business Card is the business rendition of the much improved Hilton Honors American Express Surpass® Card. Albeit, sporting a few differences that provide an additional layer of value for business owners able to put higher spend on the card.
The Hilton Business Card is the only business-focused card in the revamped lineup of Hilton co-brand credit cards, which includes:
- Hilton Honors American Express Card (replaces the old Hilton Honors™ Card from American Express)
- Hilton Honors American Express Surpass® Card (replaces the old Hilton Honors™ Surpass® Card from American Express)
- Hilton Honors American Express Aspire Card
- Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
- Enjoy complimentary Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
- Terms apply.
- Rates & Fees
- 12X at hotels and resorts in the Hilton portfolio
- 6X on Select Business & Travel Purchases
- 3X Everywhere Else
The main points of difference from the Hilton Surpass are changes to the 6x bonus categories and the ability to earn a second free weekend night certificate if you can reach $60K in spend each year (Terms Apply).
Hilton Business Card Welcome Bonus
Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
To put the welcome bonus into perspective, 100K Honors points is enough for 20 nights at the Hilton Garden Inn Bali Ngurah Rai Airport (excluding 5th night free redemptions), one of the best hotels priced at Hilton’s lowest free night award rate of 5,000 points. Or one night at the Conrad Tokyo which runs to 95,000 points per night in peak season.
Points Earning Potential and Category Bonuses
The Hilton Business Card earns a solid 12x bonus points at Hilton properties worldwide. That's in addition to the 10 base points you’ll make as a Hilton Honors member and the 25% bonus earned from Gold status which you receive automatically as a cardholder. If you’re paying for your stay with the Hilton Business Card, you’re bagging at least 24 points per dollar spent, before taking into account any of Hilton's regular promos which can often stack for enormous value.
The 6x bonus categories include U.S. gas stations, U.S. restaurants, U.S. shipping purchases, mobile phone services from U.S. providers, flights booked directly with airlines or via amextravel.com, and car rentals from select rental companies. You’ll earn 3x Hilton points on all non-bonus purchases.
Hilton Business Card Feature Benefits
Weekend Free Night Reward After Spending $15K
The Hilton Business Card earns a weekend free night reward after spending $15,000 each calendar year. An achievable target for a small business card that is redeemable across Hilton’s portfolio of hotels and resorts.
Second Weekend Free Night Reward After Spending $60K in a Year
$60K is a substantial target to hit for a free weekend night certificate, but the ability to earn two free nights per year on a card is a big plus, and that’s not accounting for the points earned while reaching that target. At 3x points for non-bonus spend, you’d also walk away with a minimum 180K Hilton Honors points, enough for two nights at Hilton’s highest category hotels.
Complimentary Hilton Honors Gold Elite Status
A few creature comforts when traveling can make your time away from home that much more bearable. The Hilton Business Card provides complimentary Gold Elite status which entitles you to free breakfast, the possibility of room upgrades, and late checkout. If you are striking out for the second free night certificate at $60K spend, a welcome byproduct of that effort is receiving Hilton Diamond status as you cross the $40K spend line.
10 Free Priority Pass™ Lounge Passes
Lounge access is a surefire way of easing the burdens of business travel, and the Hilton Business Card delivers with 10 free Priority Pass Lounge passes each year. The lounge access benefit on the Hilton Business Card isn’t the unlimited free access we see on premium business cards like The Business Platinum® Card from American Express. However, for a small business card with an annual fee under $100 to offer any complimentary lounge access is an outstanding benefit (Rates & Fees).
No Foreign Transaction Fees
One of the new perks Amex has introduced across its lineup of Hilton cards is to cut foreign transaction fees (Rates & Fees). When a card charges 2-3% foreign transaction fees for purchases made outside the U.S., it wipes out any gains made from picking up points on overseas spend, so this is a welcome change to Hilton’s co-brand portfolio of cards.
American Express only allows you to earn the new cardmember welcome bonus once per lifetime on each credit card. So if you currently hold, or have held a specific Amex card in the past, you won’t be eligible to receive the welcome bonus for that card again. As per the Amex application page:
“Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility.”
Fortunately, the Hilton Business Card is an entirely new product, so this won’t affect your prospects of securing the welcome bonus if approved for the card. Amex does impose other constraints on both credit and charge cards, a topic we cover in detail in our post on credit card application restrictions.
The Hilton Business Card offers high-value benefits that make it a standout mid-tier business rewards card. In addition to a substantial welcome bonus, new cardholders receive instant Gold Elite status with the opportunity to earn Diamond status after $40K spend. You can earn two weekend free nights if you can put enough spend on the card each year, and the 10 free lounge passes are a great perk for any small business owner, without the need to drop hundreds of dollars in annual fees. If you travel for business, the Hilton Business Card is a great alternative to a premium business card, minus the prohibitive cost.
For rates and fees of the cards mentioned in this post, please visit the following links: The Hilton Honors American Express Business Card (Rates & Fees)
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