Hilton Honors American Categorical Enterprise Card overview
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Amex Enterprise card is constructed for small-business house owners, however you do not want a bustling workplace or dozens of workers to use. A aspect hustle or consulting gig that requires journey is greater than sufficient to qualify for a small-business card.
Among the best perks of the Hilton Enterprise card is its computerized Hilton Gold elite standing. From each day meals and beverage credit to room upgrades (primarily based on availability), this card can present significant advantages proper from the beginning. Phrases apply.
With a $195 annual payment (see charges and costs), the cardboard is not going to interrupt the financial institution for many. Candidates accredited for the Hilton Amex Enterprise usually have a credit score rating of at the very least 670.
I am going to study the Hilton Amex Enterprise card in additional element that will help you determine whether or not it is the correct lodge card in your pockets.
Hilton Amex Enterprise Card professionals and cons
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Hilton Amex Enterprise Card welcome supply
In response to TPG’s February 2025 valuations, these 175,000 bonus factors are value $1,050. This supply could be very near the all-time supply we now have seen, making it an excellent time to use in the event you’ve been fascinated with this card.
Take into account that Amex has a “as soon as per lifetime” coverage on card affords and states the next:
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You is probably not eligible to obtain a welcome supply if in case you have or have had this Card or earlier variations of this Card. You additionally is probably not eligible to obtain a welcome supply primarily based on numerous components, comparable to your historical past with bank card steadiness transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve got opened and closed and different components. If you’re not eligible for a welcome supply, we are going to notify you previous to processing your utility so you could have the choice to withdraw your utility.
Associated: The perfect bank card welcome bonuses obtainable
Hilton Amex Enterprise Card advantages
- As much as $240 in assertion credit each calendar yr: Earn as much as $60 every quarter in assertion credit for eligible Hilton purchases (as much as $240 every calendar yr). Eligible purchases embody room reservations at Hilton properties and incidental costs comparable to dinner or spa remedies.
- Complimentary Nationwide Automotive Rental elite standing: Cardmembers obtain Nationwide Automotive Rental Emerald Membership Government standing. Advantages embody assured upgrades, entry to Government Space vehicles and no second driver charges.
- Complimentary Hilton Honors Gold elite standing: With Gold standing, you may earn an 80% factors bonus on Hilton stays, the fifth night time free on award redemptions, elite tier rollover nights, complimentary breakfast or meals and beverage credit, room upgrades (when obtainable) and extra.
- Improve to Diamond standing: You’ll be able to attain Diamond elite standing via the top of the following calendar yr after spending $40,000 along with your card in a calendar yr. Diamond standing comes with much more advantages, comparable to higher upgrades (when obtainable), govt lounge entry, a 48-hour room assure and extra — although if you’d like this tier of standing, you are seemingly higher off making use of for the Hilton Honors American Categorical Aspire Card, which affords Diamond standing as a built-in perk.
- Journey protections: Baggage insurance coverage*, secondary automotive rental loss and injury insurance coverage**, entry to the World Help Hotline# and prolonged guarantee* and buy safety* advantages can be found to cardmembers.
- Expense administration instruments: As a enterprise cardmember, you may have entry to instruments like QuickBooks integration, Vendor Pay by Invoice.com and extra.
Whereas this is not a stellar set of advantages, they’re acceptable for the annual payment. That stated, this card can be laborious to justify paying for every year in the event you do not stick with Hilton at the very least a few instances yearly.
Should you do not anticipate having the ability to benefit from the total as much as $240 Hilton assertion credit score every calendar yr (as much as $60 every quarter), then I counsel contemplating one other hotel-cobranded enterprise card.
The knowledge for the Hilton Amex Aspire card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
*Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**Eligibility and profit degree varies by card. Not all car varieties or leases are lined, and geographic restrictions apply. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
#Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are liable for the prices charged by third-party service suppliers.
Associated: Your full information to buying protections on American Categorical playing cards
Incomes factors on the Hilton Amex Enterprise Card
You will additionally earn 5 factors per greenback on all different eligible purchases (as much as $100,000 every calendar yr, then 3 factors per greenback after that).
As with Hilton’s different bank cards, you may get the most effective return on Hilton purchases. To your different business-related spending, you may get a 1.8%-3% return on spending primarily based on our valuations.
Different playing cards, such because the American Categorical® Enterprise Gold Card or the Ink Enterprise Most popular® Credit score Card, supply higher worth.
Since Amex Membership Rewards means that you can switch factors to Hilton, the Amex Enterprise Gold is usually a nice complement or various to the Hilton Amex Enterprise card.
Associated: Methods to choose a technique in your small-business bank cards
Redeeming factors on the Hilton Amex Enterprise Card
As with most lodge loyalty packages, the most effective worth comes from utilizing your factors on lodge bookings.
Whereas Hilton Honors would not have a printed award chart, the Factors Explorer device can present you the award redemption worth vary over the following 30 days. This might help you recognize what to anticipate when contemplating places for utilizing your factors.
TPG contributing editor Matt Moffitt likes to redeem his Hilton Honors factors to e-book three- and four-star accommodations overseas. These properties have a tendency to supply the next redemption worth than these within the U.S.
He goals to e-book five-night stays, as he solely must pay for 4, because of the elite standing that comes together with his Hilton cobranded playing cards.
Associated: The award vacationers information to Hilton Honors
Transferring factors with the Hilton Amex Enterprise Card
Hilton affords over 25 airline switch companions, together with notable choices like Air France-KLM, British Airways, Delta Air Traces and United. Hilton factors usually switch at a poor price; for instance, when transferring to United, you may solely obtain 1,000 MileagePlus miles in change for 10,000 Hilton Honors factors.
Given the poor worth of this redemption possibility, I do not advocate utilizing your Hilton factors for airline transfers. Even when you have to prime off your airline rewards steadiness, there’s seemingly a greater and extra value-conscious technique to do it.
Associated: Nice methods to make use of 100,000 Hilton Honors factors and a free night time reward
Which playing cards compete with the Hilton Amex Enterprise Card?
- If you need a lodge enterprise card from Marriott: The Marriott Bonvoy Enterprise® American Categorical® Card affords computerized Gold Elite standing with Marriott Bonvoy, a reduction on eligible bookings made instantly with Marriott at collaborating properties for cardmembers and a free night time award on every account anniversary. The cardboard has an annual payment of $125 (see charges and costs). Enrollment is required for choose advantages; phrases apply. To study extra, learn our full evaluation of the Amex Marriott Bonvoy Enterprise.
- If you need a lodge enterprise card from Hyatt: The World of Hyatt Enterprise Credit score Card has a $199 annual payment and affords entry-level Discoverist standing for you and as much as 5 workers, annual assertion credit for Hyatt purchases and two advantages you may unlock via spending. To study extra, learn our full evaluation of the World of Hyatt Enterprise.
- If you need versatile factors that you should utilize past Hilton stays: The American Categorical Enterprise Gold Card would not supply any lodge standing however as an alternative earns American Categorical Membership Rewards factors, which you’ll switch to Hilton and a number of different worthwhile lodge and airline companions. You will earn 4 factors per greenback in your prime two eligible spending classes every billing cycle — on as much as $150,000 in purchases per calendar yr (then 1 level per greenback). The cardboard has a $375 annual payment (see charges and costs). To study extra, learn our full evaluation of the Amex Enterprise Gold card.
For added choices, see our checklist of the most effective enterprise bank cards and the most effective American Categorical playing cards.
Associated: Methods to apply for an Amex enterprise card
Backside line
It’s possible you’ll be hesitant to pay an annual payment on a bank card or surprise if the $195 annual payment on the Hilton Amex Enterprise card is value it. Contemplate how a lot worth you may get out of the cardboard’s computerized Hilton Gold standing, as that may be a deciding consider whether or not this card is for you.
The Hilton Amex Enterprise card has benefits for enterprise vacationers who ceaselessly stick with Hilton. Nevertheless, others ought to go for one other lodge card or enterprise card.
Apply right here: Hilton Honors Amex Enterprise card
For charges and costs of the Amex Hilton Enterprise card, click on right here.
For charges and costs of the Amex Marriott Bonvoy Enterprise card, click on right here.
For charges and costs of the Amex Enterprise Gold card, click on right here.
