Hilton Honors American Specific Enterprise Card overview
The Hilton Honors American Specific Enterprise Card is a helpful resort enterprise card. With mid-tier Hilton Gold elite standing, automobile rental standing and nice earnings on Hilton purchases, it gives premium advantages (enrollment is required for choose advantages; phrases apply). If Hilton is your organization’s resort chain of selection, this card could possibly 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 workers 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 day by 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 charges), the cardboard is not going to interrupt the financial institution for many. Candidates authorized for the Hilton Amex Enterprise sometimes have a credit score rating of not less than 670.
I will look at the Hilton Amex Enterprise card in additional element that can assist you resolve whether or not it is the best resort card to your pockets.
Hilton Amex Enterprise Card professionals and cons
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Hilton Amex Enterprise Card welcome supply
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 supply ends on April 29.
In line with TPG’s February 2025 valuations, these 175,000 bonus factors are price $1,050. This supply could be very near the best-ever supply we now have seen, making it a superb time to use when you’ve been fascinated by 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 might not be eligible to obtain a welcome supply if in case you have or have had this Card or earlier variations of this Card. You additionally might not be eligible to obtain a welcome supply primarily based on numerous components, corresponding to your historical past with bank card stability transfers, your historical past as an American Specific 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 software so you could have the choice to withdraw your software.
Associated: The most effective bank card welcome bonuses accessible
Hilton Amex Enterprise Card advantages
The Hilton Amex Enterprise affords a wide range of advantages and perks for $195 annually. 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 expenses corresponding to dinner or spa therapies.
- 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 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 accessible) and extra.
- Improve to Diamond standing: You’ll be able to attain Diamond elite standing via the top of the subsequent calendar 12 months after spending $40,000 together with your card in a calendar 12 months. Diamond standing comes with much more advantages, corresponding 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 probably higher off making use of for the Hilton Honors American Specific Aspire Card, which affords Diamond standing as a built-in perk.
- Journey protections: Baggage insurance coverage*, secondary automobile 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 might be onerous to justify paying for annually when you do not stick with Hilton not less than a few instances yearly.
If you happen to do not anticipate with the ability to make the most of 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.
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 offered by the cardboard issuer.
*Eligibility and profit stage 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 stage 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 Specific Journey Associated Companies Firm, Inc.
#Eligibility and profit stage 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 Specific playing cards
Incomes factors on the Hilton Amex Enterprise Card
With the Hilton Amex Enterprise card, you may 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 will 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 may get one of the best return on Hilton purchases. On 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 Specific® Enterprise Gold Card or the Ink Enterprise Most well-liked® Credit score Card, supply higher worth.
Since Amex Membership Rewards means that you can switch factors to Hilton, the Amex Enterprise Gold could be a nice complement or various to the Hilton Amex Enterprise card.
Associated: choose a method to your small-business bank cards
Redeeming factors on the Hilton Amex Enterprise Card
As with most resort loyalty packages, one of the best worth comes from utilizing your factors on resort bookings.
You’ll be able to redeem your Hilton Honors factors in a number of methods. Lodge redemptions supply one of the best worth, whereas Hilton occasion reductions, Hilton Honors Experiences and Amazon purchases supply 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 subsequent 30 days. This can assist you realize what to anticipate when contemplating areas for utilizing your factors.
TPG contributing editor Matt Moffitt likes to redeem his Hilton Honors factors to ebook 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 ebook 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
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 sometimes switch at a poor fee; for instance, when transferring to United, you may 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 that you must prime off your airline rewards stability, there’s probably a greater and extra value-conscious method 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?
The Hilton Amex Enterprise card is Hilton’s solely enterprise card. Nevertheless, 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 Specific® Card affords 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 payment of $125 (see charges and charges). Enrollment is required for choose advantages; phrases apply. To study extra, learn our full evaluate 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 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’ll be able to unlock via spending. To study extra, learn our full evaluate of the World of Hyatt Enterprise.
- If you would like versatile factors that you should utilize past Hilton stays: The American Specific Enterprise Gold Card would not supply any resort standing however as a substitute earns American Specific Membership Rewards factors, which you’ll switch to Hilton and a number of different priceless resort 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 12 months (then 1 level per greenback). The cardboard has a $375 annual payment (see charges and charges). To study extra, learn our full evaluate of the Amex Enterprise Gold card.
For added choices, see our record of the finest enterprise bank cards and the finest American Specific playing cards.
Associated: 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 marvel if the $195 annual payment on the Hilton Amex Enterprise card is price it. Contemplate how a lot worth you may 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 continuously stick with Hilton. Nevertheless, others ought to go for one other resort card or enterprise card.
Apply right here: Hilton Honors Amex Enterprise card
For charges and charges of the Amex Hilton Enterprise card, click on right here.
For charges and charges of the Amex Marriott Bonvoy Enterprise card, click on right here.
For charges and charges of the Amex Enterprise Gold card, click on right here.