Hilton Honors American Categorical Enterprise Card overview
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Hilton Amex Enterprise card is made for small-business homeowners, however you do not want a bustling workplace or dozens of staff to use. A facet hustle or consulting gig that requires journey is greater than sufficient to qualify for a small-business card.
Probably the greatest perks of the Hilton Enterprise card is its automated Hilton Gold elite standing. From each day meals and beverage credit to room upgrades (based mostly 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 accepted for the Hilton Amex Enterprise usually have a credit score rating of at the very least 670.
Let’s study the Hilton Amex Enterprise card in additional element that will help you determine whether or not it is the proper resort card in your pockets.
Hilton Amex Enterprise Card execs and cons
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†Enrollment required, phrases apply |
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Hilton Amex Enterprise Card welcome supply
In accordance with TPG’s June 2025 valuations, the 175,000 bonus factors are value $875.
This supply comes very near the very best supply we have seen on the cardboard and is value making use of for. In spite of everything, it is solely 5,000 bonus factors lower than the very best supply and $2,000 much less for the minimal spend requirement.
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Needless to say Amex has a “as soon as per lifetime” coverage on card presents and states the next:
You is probably not eligible to obtain a welcome supply you probably have or have had this Card or earlier variations of this Card. You additionally is probably not eligible to obtain a welcome supply based mostly on varied components, resembling 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 opened and closed and different components. In case you are not eligible for a welcome supply, we are going to notify you previous to processing your utility so you have got 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 12 months: Earn as much as $60 every quarter in assertion credit for eligible Hilton purchases. Eligible purchases embrace room reservations at Hilton properties and incidental costs resembling dinner or spa therapies.
- Complimentary Nationwide Automobile Rental elite standing: Cardmembers obtain Nationwide Automobile Rental Emerald Membership Govt standing. Advantages embrace assured upgrades, entry to Govt Space vehicles 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 obtainable) and extra.
- Improve to Diamond standing: You possibly can attain Diamond elite standing by means of the tip of the following calendar 12 months after spending $40,000 together with your card in a calendar 12 months. Diamond standing comes with much more advantages, resembling higher upgrades (when obtainable), govt lounge entry, a 48-hour room assure and extra — although in order for you this tier of standing, you are probably higher off making use of for the Hilton Honors American Categorical Aspire Card, which presents Diamond standing as a built-in perk.
- Journey protections: Baggage insurance coverage*, secondary automotive rental loss and harm 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.
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.
Whereas this is not a stellar set of advantages, they’re acceptable for the annual charge. That mentioned, this card shall be laborious to justify paying for annually should you do not stick with Hilton at the very least a few occasions yearly.
For those who do not anticipate with the ability to benefit from the total 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.
*Eligibility and profit stage 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 stage varies by card. Not all automobile varieties or leases are lined, 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 by means of American Categorical Journey Associated Providers Firm, Inc.
#Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are accountable for the prices charged by third-party service suppliers.
Associated: Your full information to procuring protections on American Categorical playing cards
Incomes factors on the Hilton Amex Enterprise Card
You will additionally earn 5 factors per greenback spent on all different eligible purchases (as much as $100,000 every calendar 12 months, then 3 factors per greenback spent after that).
As with Hilton’s different bank cards, you will get the very best return on Hilton purchases. You will get a 1.5%-2.5% return on spending in your different business-related spending based mostly on our valuations.
Different playing cards supply higher worth, such because the American Categorical® Enterprise Gold Card or the Ink Enterprise Most well-liked® Credit score Card (see charges and costs).
Since Amex Membership Rewards means that you can switch factors to Hilton, the Amex Enterprise Gold generally is a nice complement or various to the Hilton Amex Enterprise card.
Associated: Find out how to decide a technique in your small-business bank cards
Redeeming factors on the Hilton Amex Enterprise Card
As with most resort loyalty packages, the very best worth comes from utilizing your factors on resort bookings.
Whereas Hilton Honors does not have a printed award chart, the Factors Explorer software can present you the award redemption worth vary over the following 30 days. This may also help you realize 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 resorts 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, due to the elite standing that comes along with his Hilton cobranded playing cards.
Associated: Final information to the Hilton Honors loyalty program
Transferring factors with the Hilton Amex Enterprise Card
Hilton presents a number of 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 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 you want to prime off your airline rewards steadiness, there’s probably a greater and extra value-conscious solution to do it.
Associated: From the Florida Keys to the Maldives: 7 nice methods to make use of 130,000 Hilton Honors factors and a free night time reward
Which playing cards compete with the Hilton Amex Enterprise Card?
For extra choices, see our checklist of the very best enterprise bank cards and the very best American Categorical playing cards.
Associated: Find out how to apply for an Amex enterprise card
Backside line
You might be hesitant to pay an annual charge on a bank card or surprise if the $195 annual charge on the Hilton Amex Enterprise card is value it. Take into account how a lot worth you will get out of the cardboard’s automated Hilton Gold standing, as that may be a deciding think about whether or not this card is for you.
The Hilton Amex Enterprise card has benefits for enterprise vacationers who steadily keep at Hilton properties. Nonetheless, others ought to go for one other resort 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.
