The Hilton Honors American Categorical Enterprise Card is a good decide for small-business homeowners loyal to Hilton. It gives complimentary Hilton Gold elite standing and a number of other enterprise administration instruments for a reasonable $195 annual charge (see charges and costs). Enrollment is required for choose advantages; phrases apply.
This card’s advantages and the welcome supply can present respectable worth to cardmembers trying to guide Hilton stays for his or her enterprise. Nevertheless, this card is not for everybody.
Let’s take a more in-depth take a look at the Hilton Enterprise card to see if it is a match for you.
Welcome supply
Proper now, new Hilton Amex Enterprise cardmembers can earn 175,000 bonus factors after spending $8,000 on eligible purchases inside the first six months of cardmembership. This supply ends on April 29.
TPG’s April 2025 valuations worth this welcome supply at $1,050.
Understand that Hilton makes use of dynamic pricing for lodge redemption bookings. These bonus factors could sound like quite a bit, however in actuality, they may cowl simply two nights at a top-tier property.
That stated, that is nonetheless a good way to get some actual worth out of what you are promoting’s routine spending.
Associated: 7 methods to redeem factors with the Hilton Honors program
Incomes factors
The Hilton Enterprise Amex earns an honest 12 factors per greenback at Hilton resorts and resorts. Plus, you will earn 5 factors per greenback on all different purchases as much as $100,000 per calendar 12 months (3 factors per greenback on purchases thereafter).
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That is a stable fee for Hilton purchases however common for different spending. The Hilton Enterprise Amex shouldn’t be the most effective card for incomes rewards on non-Hilton spending.
This card’s charges equate to a 7.2% return at Hilton properties and a 3% return on different spending as much as $100,000 (then 1.8% on all non-Hilton purchases afterward), per TPG’s April 2025 valuations.
Understand that you will obtain further factors per greenback in your Hilton bookings via this card’s complimentary Gold elite standing. Since this standing degree offers an 80% bonus on factors earned, you will obtain one other 18 factors per greenback on prime of the 12 factors per greenback this card earns. That quantities to a formidable 30 factors per greenback.
Different Hilton playing cards, such because the Hilton Honors American Categorical Surpass® Card and Hilton Honors American Categorical Aspire Card, supply higher worth in bonus-earning classes.
The knowledge for the Hilton Honors Amex Aspire has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: The very best Hilton bank cards
Redeeming factors
Your Hilton Honors factors could be redeemed for lodge nights, Hilton occasion credit, Hilton Honors Experiences, Amazon purchases and with airways. We suggest utilizing your factors for lodge nights for the most effective worth (by far).
Hilton Honors makes use of a dynamic pricing system, so that you would possibly wish to use its Factors Explorer instrument to point out you the award evening worth vary for a particular property over the subsequent month.
Because of the Hilton Enterprise Amex’s complimentary Gold standing, you will obtain your fifth evening free. Meaning you solely should pay for 4 nights, which is a good way to save lots of on lengthier award stays.
Card advantages
The Amex Hilton Honors Enterprise features a few helpful advantages for a mid-tier card:
- Complimentary Hilton Honors Gold elite standing: With Gold standing, you will take pleasure in an 80% factors bonus on Hilton stays, the fifth evening free on award redemptions, elite tier rollover nights, complimentary breakfast or meals and beverage credit in any respect resorts and room upgrades.
- Improve to Diamond standing: You’ll be able to improve to Diamond Elite standing via the tip of the subsequent calendar 12 months whenever you spend $40,000 together with your card in a calendar 12 months. With Diamond standing, you will get entry to superior upgrades, govt lounges and extra.
- As much as $60 quarterly Hilton assertion credit score: You will earn as much as $240 per calendar 12 months in assertion credit, cut up into as much as $60 every quarter on eligible Hilton purchases. Purchases can embody room reservations at any Hilton property and incidental costs.
- Rental automobile elite standing: Complimentary Nationwide Automotive Rental Emerald Membership Govt standing that gives assured upgrades, no second drive charges and the power to earn quicker free rental days. Phrases apply.
- Journey protections: Baggage insurance coverage*, secondary automobile rental loss and injury insurance coverage**, entry to the International Help Hotline***, prolonged guarantee* and buy safety* can be found to cardmembers.
- Expense administration instruments: Lastly, you will have entry to the American Categorical Enterprise app, QuickBooks integration, Vendor Pay and extra.
Enrollment is required for choose advantages; phrases apply.
*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 automobile sorts 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 Providers Firm, Inc.
***Eligibility and Profit degree varies by Card. Phrases, Situations and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Card Members are answerable for the prices charged by third-party service suppliers.
Associated: Your full information to buying protections on American Categorical playing cards
Backside line
The Hilton Amex Enterprise gives some worth when used throughout Hilton stays, because of Gold elite standing and quarterly as much as $60 Hilton assertion credit for a reasonable annual charge.
The place the cardboard falls quick is the shortage of bonus-earning classes tailor-made to companies, no free evening certificates and a cap on incomes 5 factors per greenback on on a regular basis purchases (on the primary $100,000 spent every calendar 12 months, then 3 factors per greenback).
Whereas there may be worth available, potential cardmembers will most likely be higher off with the better-value Hilton Surpass or Hilton Aspire playing cards or one other enterprise card.
To study extra, try our full overview of the Hilton Amex Enterprise.
Apply right here: Hilton Honors Amex Enterprise
For charges and costs of the Amex Hilton Enterprise card, click on right here.
