The Hilton Honors Business Card is a valuable financial tool for small business owners, frequent travelers, and entrepreneurs who enjoy staying at Hilton properties. Designed specifically for business professionals, this credit card offers numerous benefits, including travel rewards, hotel perks, and points accumulation for purchases made within the Hilton Honors program. This guide will take a deep dive into the features of the Hilton Honors Business Card, highlight important information regarding its benefits, and explain how to apply for the card.
What is the Hilton Honors Business Card?
The Hilton Honors Business Card is a credit card issued by American Express, available to small business owners who want to earn rewards that can be redeemed at Hilton properties worldwide. With this card, you earn Hilton Honors points on your purchases, which can be used for hotel stays, car rentals, flights, and other rewards offered by Hilton. Additionally, the card comes with a suite of travel-related benefits and business-focused perks.
The Hilton Honors Business Card offers two main advantages: the ability to earn points with everyday business expenses and the ability to enjoy perks that make traveling more enjoyable, all while helping small businesses grow by leveraging financial rewards.
Key Benefits of the Hilton Honors Business Card
1. Points Accumulation: The Hilton Honors Business Card is primarily known for its attractive rewards program. Cardholders can earn Hilton Honors points at various rates depending on the category of their purchase. Here’s a breakdown:
- 12 Hilton Honors points per dollar spent on eligible purchases at Hilton hotels and resorts.
- 6 Hilton Honors points per dollar spent on select U.S. business purchases, such as advertising in select media, gas stations, shipping costs, and travel expenses.
- 3 Hilton Honors points per dollar spent on other eligible purchases.
These points can be redeemed for free nights at Hilton properties, room upgrades, dining, spa services, and much more.
2. Elite Status and Membership Benefits: Cardholders can enjoy complimentary Hilton Honors Gold status, which brings a wealth of benefits, including:
- Free breakfast at most Hilton properties.
- Space-available room upgrades, including access to executive lounges.
- Bonus points on eligible stays.
- Late check-out privileges.
- A 25% bonus on base points earned during stays at Hilton hotels.
With this elite status, you can experience enhanced comfort and value during your travels.
3. No Foreign Transaction Fees: One of the most important features for frequent travelers is that the Hilton Honors Business Card does not charge foreign transaction fees. This is an essential perk for those who travel internationally and want to avoid additional charges when making purchases in foreign currencies.
4. Global Lounge Access: Cardholders receive complimentary access to American Express Centurion Lounges, Delta Sky Clubs, and over 1,200 airport lounges worldwide, making travel more comfortable and enjoyable. This can be particularly useful for business travelers who want a peaceful environment to relax, work, or prepare for their next meeting.
5. Free Night Award: After making a qualifying purchase of $15,000 or more in a calendar year, Hilton Honors Business Card holders will receive a free weekend night certificate that can be used at participating Hilton properties. This is a fantastic way to enjoy a luxurious getaway, especially considering the wide range of Hilton hotels globally.
6. Automatic Points Boost: Hilton Honors Business Card members are also eligible for automatic points boosts for every $1,000 spent on eligible purchases within the Hilton Honors program. This feature helps cardholders accumulate points even faster for hotel stays or other reward redemptions.
Additional Features of the Hilton Honors Business Card
- Welcome Offer: New cardholders can enjoy a generous welcome offer, which includes a large number of Hilton Honors bonus points after meeting a certain minimum spend within the first 3 months of account opening. This is a great way to quickly earn points that can be used toward future stays or rewards.
- Employee Cards: Business owners can request additional cards for employees at no extra cost. This helps businesses centralize spending while earning additional points. The points earned by employees are credited to the primary cardholder’s account, allowing business owners to maximize their rewards.
- Purchase Protection and Insurance: The Hilton Honors Business Card offers several built-in protections, including purchase protection, extended warranty, and car rental loss and damage insurance. These features help business owners avoid unexpected expenses and safeguard their purchases.
Fees Associated with the Hilton Honors Business Card
As with most credit cards, there are fees associated with the Hilton Honors Business Card. Some of the key fees include:
- Annual Fee: The Hilton Honors Business Card comes with an annual fee, which is generally higher than some other business credit cards but is offset by the card’s numerous rewards and perks.
- Interest Rates: As with any credit card, interest rates are applied to balances carried beyond the due date. It’s important to pay the balance in full each month to avoid interest charges.
- Cash Advance Fees: The card charges a fee for cash advances, which is typical of most credit cards.
How to Apply for the Hilton Honors Business Card
Applying for the Hilton Honors Business Card is relatively straightforward. Here’s how you can do it:
Step 1: Check Eligibility The first step is to ensure you meet the basic eligibility requirements. Typically, applicants must be a small business owner or an individual who is responsible for managing a business’s expenses. A good credit score is also important, with many applicants having a credit score of at least 690 or higher.
Step 2: Gather Your Business Information Before applying, make sure you have the necessary business details ready, such as the business name, address, tax ID, and annual revenue. This information will be required on the application form.
Step 3: Apply Online You can apply for the Hilton Honors Business Card through the American Express website or through any other authorized third-party websites. The application process is typically online, and you’ll need to fill out basic information about your business, including how long you’ve been in business, your revenue, and your personal information.
Step 4: Wait for Approval Once you’ve submitted your application, you’ll need to wait for approval. American Express will review your application and may request additional documentation. In most cases, approval or denial will occur within a few minutes, though some applications may take longer to process.
Step 5: Activate and Start Earning Once approved, your Hilton Honors Business Card will be sent to your address. After activation, you can start using it immediately for everyday business purchases, earning points toward Hilton rewards and enjoying travel benefits.
Conclusion
The Hilton Honors Business Card is an excellent option for business owners who frequently travel or stay at Hilton properties. With its generous rewards program, travel perks, and business-related benefits, the card helps small business owners earn points that can be used for hotel stays, car rentals, flights, and more. By offering the convenience of earning points on everyday business expenses and a range of elite-level benefits, this credit card stands out in the crowded business credit card space. Apply today to start reaping the rewards and enjoy the benefits that come with being a Hilton Honors Business Card holder.
