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, automotive rental standing and nice earnings on Hilton purchases, it gives premium advantages (enrollment required for choose advantages). If Hilton is your organization’s resort chain of alternative, this card may very well be a worthwhile addition to your pockets. Card ranking*: ⭐⭐⭐
*Card ranking 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.
Among the finest perks of the Hilton Enterprise card is its computerized 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.
With a $195 annual price (see charges and costs), the cardboard is not going to interrupt the financial institution for many. Candidates accepted for the Hilton Amex Enterprise sometimes have a very good to wonderful credit score rating.
Let’s look at the Hilton Amex Enterprise card in additional element that can assist you determine whether or not it is the fitting resort card to your pockets.
Hilton Amex Enterprise Card execs and cons
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Hilton Amex Enterprise Card welcome provide
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 response to TPG’s October 2025 valuations, the 175,000 bonus factors are price $875.
This is not the very best provide 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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Needless to say Amex has a “as soon as per lifetime” coverage on card affords and states the next:
You might not be eligible to obtain a welcome provide you probably have or have had this Card or earlier variations of this Card. You additionally might not be eligible to obtain a welcome provide primarily based on varied elements, resembling your historical past with bank card steadiness transfers, your historical past as an American Specific Card Member, the variety of bank cards that you’ve opened and closed and different elements. If you’re not eligible for a welcome provide, we’ll notify you previous to processing your utility so you’ve the choice to withdraw your utility.
Associated: The very best bank card welcome bonuses obtainable
Hilton Amex Enterprise Card advantages
The Hilton Amex Enterprise affords a wide range of advantages and perks for $195 every year. 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 Automotive Rental elite standing: Cardmembers obtain Nationwide Automotive Rental Emerald Membership Govt standing. Advantages embody assured upgrades, entry to Govt Space automobiles 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 yr (as much as $60 every calendar quarter) for eligible Hilton purchases. Eligible purchases embody room reservations at Hilton properties and incidental prices resembling dinner or spa remedies.
- Journey protections: Obtain invaluable buy and journey protections whenever you pay along with your card.
- Improve to Diamond standing: You’ll be able to attain Diamond elite standing via the top of the following calendar yr after spending $40,000 along with your card in a calendar yr. Diamond standing comes with much more advantages, resembling higher upgrades (when obtainable), govt lounge entry, a 48-hour room assure and extra — although if you need 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.
Whereas this is not a stellar set of advantages, they’re acceptable for the annual price. That mentioned, this card can be exhausting to justify paying for every year in case you do not stick with Hilton not less than a few instances yearly.
In the event you do not anticipate with the ability to reap the benefits of the complete as much as $240 Hilton assertion credit score every calendar yr (as much as $60 every quarter), you might need to take into account one other hotel-cobranded enterprise card.
Associated: Your full information to purchasing 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 spent at Hilton Accommodations and Resorts — a 6% return on spending in accordance with TPG’s valuations.
You will additionally earn 5 factors per greenback spent on all different eligible purchases (as much as $100,000 every calendar yr, then 3 factors per greenback spent after that).
As with Hilton’s different bank cards, you may get the perfect return on Hilton purchases. You will get a 1.5%-2.5% return on spending to your different business-related spending, primarily based on our valuations.
Different playing cards provide higher worth, such because the American Specific® Enterprise Gold Card or the Ink Enterprise Most popular® Credit score Card.
The knowledge for the Ink Enterprise Most popular 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 best way to decide a technique to your small-business bank cards
Redeeming factors on the Hilton Amex Enterprise Card
As with most resort loyalty applications, the perfect worth comes from utilizing your factors earned with the Hilton Amex Enterprise card on resort bookings.
You’ll be able to redeem your Hilton Honors factors in a number of methods. Lodge redemptions provide the perfect worth, whereas Hilton occasion reductions, Hilton Honors Experiences and Amazon purchases provide poor worth.
Whereas Hilton Honors does not have a broadcast award chart, the Factors Explorer software can present you the award redemption worth 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 resorts 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 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 affords a number of airline switch companions to switch the factors you earn on the Hilton Amex Enterprise card. These embody notable choices like Air France-KLM, British Airways, Delta Air Strains and United.
Hilton factors sometimes switch at a poor charge; 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 possibility, it is hardly ever really helpful to make use of 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 strategy 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. Nevertheless, it faces stable competitors from different cobranded resort playing cards and customary enterprise playing cards.
For extra choices, see our checklist of the perfect enterprise bank cards and the perfect American Specific playing cards.
Associated: The best way to apply for an Amex enterprise card
Backside line
It’s possible you’ll be hesitant to pay an annual price on a bank card or surprise if the $195 annual price on the Hilton Amex Enterprise card is price it. Take into account how a lot worth you may get out of the cardboard’s computerized 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 keep at Hilton properties. Nevertheless, 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.
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