Hilton Honors Business Card

Pros & Cons

Pros

+Welcome Bonus: 175,000 points
+Up to 12x at Hilton hotels
+Purchase protection included

Cons

–High annual fee ($195/yr)
–No lounge access

Our Review

Maximize Your Stays & Savings with the Hilton Honors American Express Business Card

175,000 bonus points + a Free Night Reward after $8,000 in purchases within the first 6 months
12X points per $1 on Hilton stays
6X points per $1 on select business categories (U.S. restaurants, transit, shipping, cloud services)
3X points per $1 on all other purchases
$0 intro annual fee for the first year, then $95
Up to $200 annual statement credit ($50 per quarter) on eligible Hilton purchases
Complimentary Hilton Honors Silver status and a fast track to Gold
No foreign transaction fees

Whether you’re booking client travel or rewarding your team, this card turbocharges your Hilton Honors earnings on both hotel stays and everyday business expenses. Redeem points for free nights, room upgrades or statement credits, and enjoy built‑in reporting tools that simplify expense tracking. With automatic elite status and quarterly statement credits to offset the fee, you’ll balance growth and savings seamlessly.

Terms apply. Bonus points and statement credits require qualifying purchases. See issuer for complete details.

Rewards

All Spending

5x

Hilton Honors pts per dollar

Hilton hotels

12x

Hilton Honors pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries5x

$700/mo

Gas & EV5x

$200/mo

Transit5x

$100/mo

Restaurants5x

$300/mo

Pharmacy5x

$50/mo

Travel5x

$150/mo

Bills & recurring payments5x

$250/mo

Telecom5x

$150/mo

Entertainment & streaming5x

$100/mo

Office supplies5x

$0/mo

All other spending5x

$500/mo

Points Earned

150,000

Hilton Honors/yr

Estimated Value

$1,500

After Fees

+$1,305

1st Year Value

$3,055

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 5x42,000 pts

Gas & EV$2,400/yr × 5x12,000 pts

Transit$1,200/yr × 5x6,000 pts

Restaurants$3,600/yr × 5x18,000 pts

Pharmacy$600/yr × 5x3,000 pts

Travel$1,800/yr × 5x9,000 pts

Bills & recurring payments$3,000/yr × 5x15,000 pts

Telecom$1,800/yr × 5x9,000 pts

Entertainment & streaming$1,200/yr × 5x6,000 pts

All other spending$6,000/yr × 5x30,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year5x

Total points earned150,000 pts

Value of points accumulated in the first year≈ $1,500

Perks & Benefits

Travel Credits

$240

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide). Travel benefits: Complimentary Hilton Honors™ Gold Status (an 80% Bonus on Base Points and space-available room upgrades at select properties); an upgrade to Hilton Honors™ Diamond status through the end of the next calendar year after $40,000 in eligible purchases in a calendar year; complimentary National Car Rental® Emerald Club Executive® Status; No Foreign Transaction Fees; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Global Assist® Hotline. Travel credits: $240 Hilton Credit: up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio, up to $240 in statement credits annually.

Travel Insurance

Lost Baggage

Up to $1,250

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Fees and interest rates

Annual Fee
$195
Foreign currency conversion fee
0%

Terms & Conditions

Card Features

Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership.
Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
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 Honors Gold Status with your Hilton Honors Business Card. With Hilton Honors 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 Honors Diamond Status through the end of the next 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.