Hilton Honors American Categorical Enterprise Card overview
The Hilton Honors American Categorical Enterprise Card is a helpful lodge enterprise card. With mid-tier Hilton Gold elite standing, automobile rental standing and nice earnings on Hilton purchases, it offers premium advantages (enrollment required for choose advantages). If Hilton is your organization’s lodge chain of alternative, this card may very well be a worthwhile addition to your pockets. Card score*: ⭐⭐⭐
*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 house owners, 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.
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.
With a $195 annual payment (see charges and costs), the cardboard is not going to interrupt the financial institution for many. Candidates accredited for the Hilton Amex Enterprise sometimes have a very good to glorious credit score rating.
Let’s study the Hilton Amex Enterprise card in additional element that can assist you resolve whether or not it is the appropriate lodge card on your pockets.
Hilton Amex Enterprise Card professionals and cons
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†Enrollment required |
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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 on purchases within the first six months of card membership.
In keeping with TPG’s October 2025 valuations, the 175,000 bonus factors are value $875.
This is not the very best supply we have seen within the card’s historical past, however it’s elevated and meets our standards for when to use.
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Take into account that 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 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 supply based mostly on varied components, similar 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 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 might have the choice to withdraw your software.
Associated: One of the best bank card welcome bonuses obtainable
Hilton Amex Enterprise Card advantages
The Hilton Amex Enterprise presents a wide range of advantages and perks for $195 annually. Enrollment is required for choose advantages.
- 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 obtainable) and extra.
- Complimentary Nationwide Automobile Rental elite standing: Cardmembers obtain Nationwide Automobile Rental Emerald Membership Government standing. Advantages embrace assured upgrades, entry to Government Space vehicles and no second driver charges.
- Expense administration instruments: As a enterprise cardmember, you may have entry to instruments like QuickBooks integration, Vendor Pay by Invoice.com and extra.
- Hilton assertion credit: Earn as much as $240 in assertion credit every calendar 12 months (as much as $60 every calendar quarter) for eligible Hilton purchases. Eligible purchases embrace room reservations at Hilton properties and incidental costs similar to dinner or spa therapies.
- Journey protections: Obtain precious buy and journey protections if you pay together with your card.
- Improve to Diamond standing: You possibly can attain Diamond elite standing via 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, similar to higher upgrades (when obtainable), government lounge entry, a 48-hour room assure and extra — although if you would like this tier of standing, you are possible higher off making use of for the Hilton Honors American Categorical Aspire Card, which presents Diamond standing as a built-in perk.
Whereas this is not a stellar set of advantages, they’re acceptable for the annual payment. That stated, this card shall be arduous to justify paying for annually should you do not stick with Hilton at the very least a few instances yearly.
When you 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), chances are you’ll need to take into account one other hotel-cobranded enterprise card.
Associated: Your full information to procuring protections on American Categorical playing cards
Incomes factors on the Hilton Amex Enterprise Card
With the Hilton Amex Enterprise card, you may earn 12 factors per greenback spent at Hilton Resorts and Resorts — a 6% return on spending in response to TPG’s valuations.
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 may get one of the best return on Hilton purchases. You will get a 1.5%-2.5% return on spending on 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.
The data for the Ink Enterprise Most well-liked 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.
Since Amex Membership Rewards means that you can switch factors to Hilton, the Amex Enterprise Gold is usually a nice complement or various to the Hilton Amex Enterprise card.
Associated: The way to choose a technique on your small-business bank cards
Redeeming factors on the Hilton Amex Enterprise Card
As with most lodge loyalty applications, one of the best worth comes from utilizing your factors earned with the Hilton Amex Enterprise card on lodge bookings.
You possibly can redeem your Hilton Honors factors in a number of methods. Resort 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 software can present you the award redemption worth vary over the following 30 days. This will help you already know what to anticipate when contemplating areas 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, because of the elite standing that comes together 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 to switch the factors you earn on the Hilton Amex Enterprise card. These embrace 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 change for 10,000 Hilton Honors factors.
Given the poor worth of this redemption choice, it is not often advisable to make use of your Hilton factors for airline transfers. Even when you might want to high off your airline rewards stability, there’s possible a greater and extra value-conscious technique 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?
The Hilton Amex Enterprise card is Hilton’s solely enterprise card. Nonetheless, it faces strong competitors from different cobranded lodge playing cards and commonplace enterprise playing cards.
For extra choices, see our record of one of the best enterprise bank cards and one of the best American Categorical playing cards.
Associated: The way to apply for an Amex enterprise card
Backside line
You could 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 value it. Think about 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 incessantly keep at Hilton properties. Nonetheless, others ought to go for one other lodge 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.
