4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
American Express · rewards
Hilton Honors American Express Business Card
4.3 / 5
Hilton Honors points · Business card
$240 a year in quarterly Hilton credits covers most of the $195 fee before you even count the automatic Gold status. The 12x earning at Hilton properties is among the highest direct-hotel multipliers of any co-brand card.
At a glance
- Welcome bonus
- 150,000 points
- Spend $8,000 in 6 months
- Annual fee
- $195
- Year-one and ongoing
- Purchase APR
- 19.49% to 28.49%
- No intro APR
- FX fee
- None
Editorial
Our take
$240 a year in quarterly Hilton credits covers most of the $195 fee before you even count the automatic Gold status. The 12x earning at Hilton properties is among the highest direct-hotel multipliers of any co-brand card.
Verdict
Pros & cons
Pros
- 12x points at Hilton, 5x on up to $100,000 in other purchases per year
- Automatic Gold status plus a path to Diamond at $40,000 spend
- $240/yr in quarterly Hilton statement credits largely offsets the fee
Cons
- $195 annual fee with no first-year waiver
- 5x other-purchase rate drops to 3x after $100,000/yr
- No airport lounge access
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Hilton purchases | 12x points | Direct purchases at participating Hilton hotels and resorts |
| All other purchases | 5x points | On up to $100,000 in purchases per year, then 3x·cap $100,000 |
| All other purchases | 3x points | After the $100,000 annual cap |
Benefits
Key benefits
Complimentary Hilton Gold Status
Automatic Hilton Honors Gold status, with a path to Diamond at $40,000 in calendar-year spend.
Quarterly Hilton Credits
Up to $60 in statement credits each quarter for eligible purchases at Hilton properties.
12x on Hilton Stays
Earn 12x Hilton Honors points on purchases at participating Hilton hotels.
National Car Rental Status
Complimentary National Car Rental Emerald Club Executive status.
Fit
Who this is best for
- Businesses that book Hilton frequently
- Road-warrior employees
- National Car Rental renters
FAQ
Frequently asked questions
What is the Hilton Honors Business welcome bonus?
Earn 150,000 Hilton Honors points plus a Free Night Reward after spending $8,000 in the first 6 months.
Does the Hilton Honors Business charge an annual fee?
Yes. The annual fee is $195 every year.
Does the Hilton Honors Business have a foreign transaction fee?
No. The Hilton Honors Business charges no foreign transaction fee, so it works well for international purchases.
What APR does the Hilton Honors Business charge?
The purchase APR is 19.49% to 28.49% variable.
Who is the Hilton Honors Business best for?
Businesses that book Hilton frequently. Road-warrior employees. National Car Rental renters.
Similar
Related cards
Capital One Spark Cash Plus
capital one
4.3 / 5
- Welcome
- $2,000 cash
- Annual fee
- $150
Discover it Chrome
discover
3.9 / 5
- Welcome
- No welcome bonus
- Annual fee
- $0
Apply
Hilton Honors American Express Business Card
Spend $8,000 in 6 months
Rates accurate as of October 6, 2026. Issuer terms.