Best Hotel Credit Card for Small Business Owners Staying at Hilton

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When it comes to business travel, flexibility and reward value matter. For business owners loyal to Hilton, the Hilton Honors American Express Business Card is more than just a payment method—it’s a strategic tool that can unlock perks, elevate travel experiences, and reduce overall lodging costs.

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
  • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
  • Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
  • Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
  • Enjoy complimentary Hilton HonorsTM Gold Status with your Hilton Honors Business Card. With Hilton HonorsTM Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
  • You may receive an upgrade to Hilton HonorsTM Diamond Status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
  • Terms apply.
The Hilton Honors American Express Business Card – Learn More

Why This Card Stands Out for Hilton-Loyal Entrepreneurs

Business owners often juggle expenses across multiple categories: client dinners, office supplies, business flights, trade shows, and hotel stays. This card rewards that spending, particularly for those who consistently stay at Hilton properties.

Key Benefits That Matter to Business Travelers:

  • 12X Hilton Honors Bonus Points on eligible Hilton purchases
  • 5X Points on other business expenses (first $100,000 each calendar year)
  • Complimentary Gold Status (with a path to Diamond based on annual spend)
  • Up to $240 in annual Hilton hotel credits ($60 per quarter) Read how to unlock up to $240 in annual Hilton hotel credits
  • 130,000-point welcome bonus after meeting the $6,000 spend threshold in the first 6 months

These benefits are designed for individuals who regularly travel for work, attend conferences, or manage distributed teams that require occasional in-person coordination.

Why Small Businesses Benefit From Hilton Gold Status

Gold Status is automatically included with the card, eliminating the need to earn it the hard way through frequent paid stays. This tier brings valuable perks:

  • Room upgrades (based on availability)
  • Complimentary breakfast or food & beverage credit at many properties
  • 80% bonus on Base Points earned during Hilton stays

When team members or executives frequently travel, these perks quickly reduce out-of-pocket costs and enhance the overall experience without adding to payroll or reimbursement processes. Here’s a shortcut to Hilton Honors Gold and Diamond Status through credit card spend.

Built-In Value Without Micromanagement

The card’s 5X earning structure on common business expenses (like gas, wireless phone services, shipping, and flights booked directly with airlines) makes it easy to rack up points passively. No complicated category tracking required—just put recurring business charges on the card and let the points build.

Plus, the quarterly $60 credit for direct Hilton purchases offsets part of the annual fee ($195), especially for those who book rooms or spend on-property for meals and incidentals.

The Bottom Line

For business owners who prefer Hilton for consistency, comfort, and brand variety—from Hampton Inn to Waldorf Astoria—this card delivers strong ROI. Between generous point multipliers, status perks, and statement credits, it functions as both a rewards engine and a travel benefits booster. Would you like to learn how to earn Hilton Honors points faster using your card?

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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