Hilton Honors American Express Business Card Review
March 20, 2020
Best for: Business owners and employees who regularly stay at Hilton hotels and resort properties.
The Hilton Honors American Express Business Card is a great fit for business owners and employees who regularly travel for work and prefer to stay at Hilton-branded properties and resorts. With a large bonus offer combined with 12x points on Hilton stays and complimentary Gold Status with Hilton Honors, this card makes it possible for businesses to quickly rack up points and reduce their total traveling costs. But making the most of the Hilton Honors American Express Business card means making sure you’re spending in the right place at the right time and putting in the effort to get the biggest benefit from your points redemption.
Best way to use this card
The fastest route to big points earning with the Hilton Honors American Express Business card is through stays at Hilton properties, which always earn 12 points per dollar. You also get 80% extra points thanks to your complimentary Gold Status on all base spending.
Let’s break it down: Standard earning rates are 10 points for every dollar, so if you spent $100 at a Hilton property, you’d earn 1,000 points. Both the 12x and 80% bonus rates are applied to this basic amount — they don’t stack on each other — which means you get an extra 800 points from your Gold Status bonus and an extra 200 from your 12x card bonus for a total of 2,000 points for $100 in spending.
Conversion rates for Hilton Honors Points tend to hover around 0.5 cents per point. This is lower than average, with most rewards points converting at approximately one point per dollar. But given your potential to earn big bonus points and complimentary stays starting in the 5,000-point range, it’s possible to significantly reduce your travel costs with the right approach to saving and spending points.
Businesses also enjoy six points per dollar on specific category spending that includes most purchases at U.S. gas stations, wireless phone service purchases from U.S. service providers, shipping for U.S. purchases, U.S. restaurant spending and flights booked directly through amextravel.com. As a result, it’s possible for business owners to quickly save up Hilton Honors points with typical company spending — when combined with regular Hilton Hotel stays and the large intro offer, there’s potential here for substantial cost reduction.
And when it comes to redemption, you’ve got choice: While points offer the best value for Hilton property stays, you can also convert them to airline or rail miles with partner programs or pool and transfer points among multiple business cards.
In a nutshell
The Hilton Honors American Express Business card makes it easy to accumulate points, especially when you stay at Hilton properties and add employee cards to boost bonus earnings. With the right approach to spending category management and by maximizing redemption with Hilton-property stays, this card offers big benefits for small businesses.
Not feeling the Hilton love? You may appreciate a more general travel rewards card like the American Express® Gold Card. While the $250 annual fee is higher, high-earning rewards categories are more versatile and include restaurants, supermarkets and flights, which may make it easier to earn points.