At , 800 Credit Solutions we have always been committed to providing the best credit information and financial advice to our clients. Continuing with that tradition, we want to guide you through some of the credit cards that can help you according to your credit type. We start with the American Express Hilton Honors Business Card, an ideal card not only for building credit but also for obtaining additional benefits, especially for business people and frequent travelers.
- Generous Bonus Points:
- Earn 130,000 Hilton Honors Bonus Points after spending $3,000 in the first three months. This is exceptional for those who plan significant expenses at the start of their membership.
- Accelerated Point Earnings:
- Earn 12X points on eligible purchases made directly with hotels and resorts in the Hilton portfolio.
- Gain 6X points on select business purchases and travel purchases at U.S. restaurants, flights, and car rentals.
- Exclusive Traveler Benefits:
- Complimentary Hilton Honors Gold Status, free night rewards, and up to 10 complimentary visits with Priority Pass™ Select.
- No foreign transaction fees, ideal for international travel.
- Additional Tools and Protections:
- Includes car rental insurance, baggage insurance plan, Global Assist® Hotline, extended warranty, and purchase protection.
- Connection to QuickBooks®, account alerts, annual summary, and online statements for easy financial management.
- Costs and Considerations:
- An annual fee of $95, with a recommended credit level of good to excellent.
- A variable APR of 20.99% to 29.99%, depending on creditworthiness.
RATINGS
To rate the American Express Hilton Honors Business Card on a scale of 0 to 5 stars, let’s consider several key factors:
Rewards and Bonus Points: With 130,000 bonus points and high accumulation rates on specific purchases, the card is quite attractive to frequent travelers and business spenders. This could be rated with a high score.
Additional Benefits: The card offers a range of valuable benefits, such as Hilton Honors Gold status, free nights, Priority Pass™ access, and other travel perks. These add considerable value.
Costs and Fees: Though it has an annual fee of $95, which is relatively standard for this type of card, the variable interest rate could be a factor to consider for some users.
Flexibility and Usability: The card is particularly beneficial for frequent travelers and businesspeople, but may not be as valuable for those with different spending habits.
Credit Requirements: It’s targeted towards users with good to excellent credit, which limits its accessibility to a broader audience.
Given these factors, if the card aligns well with the needs and spending habits of the target user (frequent travelers and businesspeople), it could be rated in the range of 4 to 4.5 stars. However, for someone who doesn’t fit this profile or who prefers a card with lower interest rates and no annual fee, the rating could be lower.
Conclusion:
The American Express Hilton Honors Business Card is a robust option for those looking to maximize their travel and business rewards while maintaining efficient management of their finances. With a variety of benefits and tools, it’s a card that can boost both your credit and your travel and business experiences.
Apply for American Express Hilton Honors Business Card
