Hilton Honors Business Card
Annual fee
$195
Our valuation
$700

Milesopedia first-year estimateFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
175,000 points
Apply Now

on American Express's website

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$195/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • 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.
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Rewards
Rate
Hilton hotels
12x
Benefits
Annual credit
$240/yr
Travel insurance
Coverage
Lost Baggage
$1,250
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Auto Rental Collision (secondary)
$50,000 · 30 days
Read full review

Pros

  • Welcome bonus of 175,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • High annual fee ($195)

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.

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Hilton Honors American Express Aspire Card
Annual fee
$550
Our valuation
$600

Milesopedia first-year estimateFirst-year valueWelcome bonus$600Total$600Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
150,000 points
Apply Now

on American Express's website

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$550/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %
Read full review
Rewards
Rate
Restaurants
7x
Benefits
Annual credit
Included
Travel Wi-Fi
Included
Travel insurance
Coverage
Trip Cancellation
$10,000
Trip Interruption
$10,000
Lost Baggage
$3,000
Flight Delay
$500
Purchase protection
Coverage
Purchase Protection
$10,000 · 90 days
Extended Warranty
+1 year
Mobile Device
$800
Auto Rental Collision (secondary)
$75,000 · 30 days
Read full review

Pros

  • Welcome bonus of 150,000 points
  • 3x on groceries
  • 7x at restaurants

Cons

  • High annual fee ($550)

Unlock Luxury Stays & Exclusive Perks with the Hilton Honors Aspire Card

  • 175,000 Bonus Hilton Honors Points when you spend $6,000 in purchases within the first 6 months of card membership
  • 14X points per $1 on Hilton stays
  • 7X points per $1 on flights booked directly with airlines or through AmexTravel.com, car rentals and U.S. restaurants
  • 3X points per $1 on all other eligible purchases
  • $450 Hilton resort credit annually (up to $150 per stay)
  • $250 airline fee credit per calendar year for incidental charges
  • $100 Digital Entertainment credit each year for eligible services
  • Automatic Hilton Honors Diamond status for room upgrades, free breakfast and premium Wi‑Fi
  • Complimentary Priority Pass™ Select membership with unlimited lounge visits
  • Free weekend night reward each year after renewal
  • No foreign transaction fees

This card is ideal for travelers who demand top-tier benefits at every stay. Earn accelerated points on all your Hilton bookings and everyday spending, then redeem them for free nights or premium experiences. Your annual credits offset the fee and elevate resort and airline travel, while Diamond status ensures comfort from check‑in to checkout. Manage your rewards effortlessly with the Amex app and enjoy seamless access to lounges worldwide.

Terms apply. Credits require enrollment and eligible purchases. See issuer for complete details.

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Hilton Honors American Express Surpass® Card
Annual fee
$150
Our valuation
$520

Milesopedia first-year estimateFirst-year valueWelcome bonus$520Total$520Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
130,000 points
Apply Now

on American Express's website

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 130,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
  • Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass Card. That’s up to $200 in statement credits annually.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors American Express Surpass Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond Status through the end of the next calendar year.
  • As a Hilton Honors American Express Surpass 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.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Read full review
Rewards
Rate
Groceries
6x
Gas & EV
6x
Restaurants
6x
Benefits
Annual credit
$200/yr
Travel insurance
Coverage
Lost Baggage
$1,250
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Auto Rental Collision (secondary)
$50,000 · 30 days
Read full review

Pros

  • Welcome bonus of 130,000 points
  • 6x on groceries
  • 6x at restaurants

Cons

  • Fewer premium perks

Maximize Your Hilton Honors Rewards with the Hilton Honors American Express Surpass® Card…

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Hilton Honors American Express Card
Annual fee
$0
Our valuation
$280

Milesopedia first-year estimateFirst-year valueWelcome bonus$280Total$280Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
70,000 points
Apply Now

on American Express's website

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$0
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 70,000 Hilton Honors Bonus Points + a Free Night Reward after you spend $2,000 on eligible purchases on the Hilton Honors American Express Card within your first 6 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
  • Terms Apply.
Read full review
Rewards
Rate
Groceries
5x
Gas & EV
5x
Restaurants
5x
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Auto Rental Collision (secondary)
$50,000 · 30 days
Read full review

Pros

  • No annual fee
  • Welcome bonus of 70,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • Fewer premium perks

Unlock No‑Fee Hilton Benefits with the Hilton Honors American Express Card

  • 70,000 bonus points + a Free Night Reward after $2,000 in purchases within 6 months
  • No annual fee
  • Complimentary Silver status: fifth night free on award stays, 20% bonus points, two free bottles of water and elite rollover nights
  • 7X points on eligible Hilton portfolio purchases
  • 5X points at U.S. restaurants, supermarkets and gas stations
  • 3X points on all other eligible purchases

Whether you stay at Hilton properties occasionally or just want perks without a fee, this card delivers a powerful welcome offer and solid ongoing earnings. Enjoy elevated status benefits from day one and rack up points on everyday spend—perfect for building your Hilton stash before your next getaway. Manage your account seamlessly in the AmEx app and take advantage of automatic elite perks every time you book.

Terms apply. Bonus points require $2,000 spend in first 6 months. See full terms for details.

Read full review

Complete Guide

Best Hilton Honors Credit Cards

Compare Hilton Aspire, Surpass, and Hilton Honors cards.

4

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

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🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

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