Hilton Honors American Categorical Enterprise evaluation: Full particulars

The Hilton Honors American Categorical Enterprise Card is a helpful resort enterprise card. With mid-tier Hilton Gold elite standing, automotive rental standing and nice earnings on Hilton purchases, it supplies premium advantages (enrollment is required for choose advantages; phrases apply). If Hilton is your organization’s resort chain of selection, this card may very well be a worthwhile addition to your pockets. Card ranking*: ⭐⭐⭐

*Card ranking relies 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 homeowners, however you do not want a bustling workplace or dozens of staff to use. A aspect hustle or consulting gig that requires journey is greater than sufficient to qualify for a small-business card.

Top-of-the-line perks of the Hilton Enterprise card is its automated 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 charge (see charges and costs), the cardboard is not going to interrupt the financial institution for many. Candidates authorised for the Hilton Amex Enterprise usually have a credit score rating of at the very least 670.

I will look at the Hilton Amex Enterprise card in additional element that will help you resolve whether or not it is the best resort card to your pockets.

New Hilton Amex Enterprise cardmembers can earn 175,000 bonus factors after spending $8,000 in purchases of their first six months of cardmembership. This provide ends on April 29.

In accordance with TPG’s February 2025 valuations, these 175,000 bonus factors are value $1,050. This provide may be very near the best-ever provide now we have seen, making it a great time to use in case you’ve been eager about this card.

Remember that Amex has a “as soon as per lifetime” coverage on card gives and states the next:

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You is probably not eligible to obtain a welcome provide 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 provide primarily based on numerous components, equivalent to your historical past with bank card stability transfers, your historical past as an American Categorical Card Member, the variety of bank cards that you’ve opened and closed and different components. In case you are not eligible for a welcome provide, we’ll notify you previous to processing your utility so you’ve got the choice to withdraw your utility.

Associated: The most effective bank card welcome bonuses accessible

The Hilton Amex Enterprise gives quite a lot of advantages and perks for $195 every year. Enrollment is required for choose advantages; phrases apply.

• As much as $240 in assertion credit each calendar 12 months: Earn as much as $60 every quarter in assertion credit for eligible Hilton purchases (as much as $240 every calendar 12 months). Eligible purchases embrace room reservations at Hilton properties and incidental costs equivalent to dinner or spa remedies.
• Complimentary Nationwide Automobile Rental elite standing: Cardmembers obtain Nationwide Automobile Rental Emerald Membership Government standing. Advantages embrace assured upgrades, entry to Government Space automobiles and no second driver charges.
• Complimentary Hilton Honors Gold elite standing: With Gold standing, you will 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 accessible) and extra.
• Improve to Diamond standing: You’ll be able to attain Diamond elite standing via the tip of the following calendar 12 months after spending $40,000 along with your card in a calendar 12 months. Diamond standing comes with much more advantages, equivalent to higher upgrades (when accessible), govt lounge entry, a 48-hour room assure and extra — although if you would like this tier of standing, you are seemingly higher off making use of for the Hilton Honors American Categorical Aspire Card, which gives Diamond standing as a built-in perk.
• Journey protections: Baggage insurance coverage*, secondary automotive rental loss and injury insurance coverage**, entry to the International Help Hotline# and prolonged guarantee* and buy safety* advantages can be found to cardmembers.
• Expense administration instruments: As a enterprise cardmember, you will 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 charge. That stated, this card might be onerous to justify paying for every year in case you do not stick with Hilton at the very least a few occasions yearly.

Should you do not anticipate having the ability to benefit from the complete as much as $240 Hilton assertion credit score every calendar 12 months (as much as $60 every quarter), then I counsel contemplating one other hotel-cobranded enterprise card.

The data 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, circumstances 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 varieties or leases are coated, and geographic restrictions apply. Phrases, circumstances 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, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are answerable for the prices charged by third-party service suppliers.

Associated: Your full information to procuring protections on American Categorical playing cards

With the Hilton Amex Enterprise card, you will earn 12 factors per greenback at Hilton Resorts and Resorts — a 7.2% return on spending in response to TPG’s February 2025 valuations.

You may additionally earn 5 factors per greenback on all different eligible purchases (as much as $100,000 every calendar 12 months, then 3 factors per greenback after that).

As with Hilton’s different bank cards, you will get one of the best return on Hilton purchases. On your different business-related spending, you will 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 well-liked® Credit score Card, provide higher worth.

Since Amex Membership Rewards means that you can switch factors to Hilton, the Amex Enterprise Gold could be a nice complement or different to the Hilton Amex Enterprise card.

Associated: Easy methods to choose a method to your small-business bank cards

You’ll be able to redeem your Hilton Honors factors in a number of methods. Lodge redemptions provide one of the best worth, whereas Hilton occasion reductions, Hilton Honors Experiences and Amazon purchases provide poor worth.

Whereas Hilton Honors would not have a broadcast award chart, the Factors Explorer device can present you the award redemption value vary over the following 30 days. This can assist you understand what to anticipate when contemplating places for utilizing your factors.

TPG contributing editor Matt Moffitt likes to redeem his Hilton Honors factors to guide three- and four-star lodges overseas. These properties have a tendency to supply a better redemption worth than these within the U.S.

He goals to guide five-night stays, as he solely must pay for 4, due to the elite standing that comes along with his Hilton cobranded playing cards.

Associated: The award vacationers information to Hilton Honors

Hilton gives over 25 airline switch companions, together with notable choices like Air France-KLM, British Airways, Delta Air Strains and United. Hilton factors usually switch at a poor charge; for instance, when transferring to United, you will solely obtain 1,000 MileagePlus miles in alternate for 10,000 Hilton Honors factors.

Given the poor worth of this redemption possibility, I do not suggest utilizing your Hilton factors for airline transfers. Even when it is advisable prime off your airline rewards stability, 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

The Hilton Amex Enterprise card is Hilton’s solely enterprise card. Nonetheless, it faces strong competitors from different cobranded resort playing cards and commonplace enterprise playing cards.

• If you would like a resort enterprise card from Marriott: The Marriott Bonvoy Enterprise® American Categorical® Card gives automated Gold Elite standing with Marriott Bonvoy, a reduction on eligible bookings made instantly with Marriott at taking part properties for cardmembers and a free night time award on every account anniversary. The cardboard has an annual charge of $125 (see charges and costs). Enrollment is required for choose advantages; phrases apply. To be taught extra, learn our full evaluation of the Amex Marriott Bonvoy Enterprise.
• If you would like a resort enterprise card from Hyatt: The World of Hyatt Enterprise Credit score Card has a $199 annual charge and gives entry-level Discoverist standing for you and as much as 5 staff, annual assertion credit for Hyatt purchases and two advantages you possibly can unlock via spending. To be taught extra, learn our full evaluation of the World of Hyatt Enterprise.
• If you would like versatile factors that you should utilize past Hilton stays: The American Categorical Enterprise Gold Card would not provide any resort standing however as a substitute earns American Categorical Membership Rewards factors, which you’ll be able to switch to Hilton and a number of different priceless resort and airline companions. You may 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 12 months (then 1 level per greenback). The cardboard has a $375 annual charge (see charges and costs). To be taught extra, learn our full evaluation of the Amex Enterprise Gold card.

For added choices, see our checklist of the finest enterprise bank cards and the finest American Categorical playing cards.

Associated: Easy methods to apply for an Amex 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.