Hilton Business Card: Fee vs. Benefits
Link: Apply now for the Hilton Honors American Express Business Card
Ever feel like people underestimate hotel credit cards? You’re not alone! The Hilton Business Card isn’t just Hilton’s only small business credit card; it’s a shining example of how rewarding these cards can be. Spoiler alert: the perks might just blow your socks off.
For an in-depth scoop, check out this detailed review of the Hilton Business Card. But right here, right now, I’m sharing nine reasons to consider this $195 annual fee card. Let’s dive in…
Welcome Offer of Up to 175,000 Hilton Honors Points
If you’re eyeing that Hilton Business Card, mark your calendar for August 13, 2025. You can score up to 175,000 Hilton Honors points with their limited-time welcome offer. Here’s how it breaks down:
- 150,000 points after spending $8,000 in the first six months
- An extra 25,000 points after spending an additional $2,000 in the first six months
I personally peg Hilton Honors points at about 0.5 cents each. So, 175,000 points? That’s a sweet $875. Cha-ching, right? It’s quite the welcome mat for a card you might even want to settle in with.
Card Doesn’t Report to Personal Credit
Here’s a little nugget: The Hilton Business Card typically doesn’t ping your personal credit report. This means if you’re trying to keep your slate clean under Chase’s 5/24 rule, this card won’t stand in your way. Neat, huh?
Hilton Gold Elite Status
The crown jewel of benefits? It’s got to be the Hilton Gold elite status. All hail the perks: from breakfast on the house, a daily food & beverage credit, to lounge access when available. Oh, and there’s bonus points, room upgrades… it’s like the gift that never stops giving.
Hilton Diamond Elite Status with Spending
Want to up your game? Spend $40,000 in a year on the card, and you’re looking at Hilton Diamond elite status. Hello, bonus points and high-flying perks like guaranteed lounge access. More reasons to #StayHilton.
Up to $240 in Hilton Credits Per Year
This is the cherry on top: If you make frequent Hilton stops, this card gives up to $240 in annual credits. Each quarter, spend $60 at a Hilton place, and you’ll snag a credit. That’s a potential $240 a year, making the card cost itself out pretty fast.
12x Honors Points on Hilton Stays
Want a card that works as hard as you do? Bingo. Use the Hilton Business Card for Hilton stays and you scoop up 12x Honors points on every dollar. That’s like a 6% reward back in your pocket based on how I figure it.
Up to 5x Honors Points on Everyday Spending
This card rivals the rest with its return on regular buys. Earn 5x points on everyday spending up to $100K annually—enough to feel like you’re winning the loyalty game while maybe nabbing Hilton Diamond status.
National Emerald Club Executive Status
Drive a lot? Rev up your engine for the National Emerald Club Executive status. Get a broader car selection and faster reward accumulation. So, who wouldn’t want more for less?
Access to Amex Offers
Don’t forget about those Amex Offers! They have a knack for saving you bucks when you shop with certain retailers. Stack these offers up and you’re looking at some nice savings. The more Amex cards you have, the merrier—more savings for you!
Looking for a Personal Card Instead?
If the Hilton Business Card has been your go-to, great! But if you’re questing for something more personal, check out the Hilton Honors Surpass®. The perks are pretty sweet, and you can even enjoy the welcome offers on both cards if you play your cards right.
Bottom Line
The Hilton Business Card stands out as a lucrative financial tool in your wallet. From the lavish welcome offer to everyday perks like Gold elite status, it’s a keeper. And if you stay at Hilton properties even just quarterly, those credits almost eliminate the annual fee, making this a well-worth investment.
Have you tried the Hilton Business Amex? Share your experiences!
Plan your next getaway with some advice from Val Seny ski resort.
For rates and fees on the Hilton Honors American Express Business Card, please visit their official rates page.