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  1. Credit Cards
  2. The Hilton Honors American Express Business Card
American Express

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is built for business owners who spend regularly with Hilton and want hotel-specific value rather than flexible travel rewards. It works best as a Hilton-focused business card, with its strongest appeal coming from Hilton stays, built-in elite status, and annual Hilton credits rather than everyday spending alone.

Welcome Offer
Limited Time Offer: Enjoy a $0 intro annual fee for the first year, then $195 + earn 130,000 Hilton Honors Bonus Points
Annual Fee
$0 introductory annual fee for the first year, then $195
Rec. Credit Score
Good
Good For
Hilton business travelers
How to Apply

Terms Apply. For rates and fees of The Hilton Honors American Express Business Card, please visit the American Express website.

The Hilton Honors American Express Business Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is The Hilton Honors American Express Business Card worth it?

This card is great for...

Frequent Hilton stays

Business travel at Hilton properties

Hilton credit usage

This card is worth a close look if your business books Hilton stays often enough to use the up to $240 in annual Hilton credits and take advantage of Hilton Honors Gold status. Between the 12x earning at Hilton properties, the credit, and Gold benefits like bonus points and food and beverage perks at many brands, the $195 annual fee can be easy to justify for a business traveler who already prefers Hilton.

For general business spending, the value is more mixed. Earning 5x Hilton points on the first $100,000 in annual purchases sounds strong, but Hilton points are not especially valuable on a per-point basis, so many businesses will do better with a card that earns transferable points or straightforward cash back. If Hilton is your main hotel brand, this card fits well. If not, it is more of a niche keeper than an all-purpose business card.

MaxRewards

MaxRewards Verdict

A strong fit for businesses that stay with Hilton often and can use the annual Hilton credit consistently. If your travel is spread across hotel brands or you want more flexible rewards, this is harder to justify as a primary business card.

Welcome Offer

Limited Time Offer: Enjoy a $0 intro annual fee for the first year, then $195 + earn 130,000 Hilton Honors Bonus Points

after you spend $8,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 7/29/26.

Est. Value

$520

Required Spend

$8,000

Time Frame

6 Months

Est. Value

$520

Required Spend

$8,000

Time Frame

6 Months

Earning

Rewards

This card earns Hilton Honors points, so the rewards story is really about how often your business stays with Hilton. The Hilton bonus rate is the main attraction, while non-Hilton spending is decent but usually not the reason to carry the card.

CategoryRate

Hotels and Resorts (Hilton)

4.8%

Other Purchases

Up to $100,000 spend per year

2%

Everywhere

1.2%

Rewards percent based on a valuation of 0.4¢ per Hilton Honors point

Annual Credits & Perks

Benefits

The practical value here centers on perks you can use during the year, especially the Hilton credit and the automatic Gold status. Those benefits do more to offset the annual fee than the card's everyday earning rate.

BenefitAnnual value
$100,000
$100,000
$250
$240

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
The Hilton Honors American Express Business CardEarn 5x Hilton Honors Bonus Points
Autotracked
$0 of $100,000Every 12 months

Benefits

Insurance

Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare has been charged to your Eligible Card. Coverage limits apply. Please read important exclusions and restrictions.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.


Premium Car Rental Protection

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.

Benefits

Status & Access

Complimentary Hilton Honors Gold Status

Enjoy complimentary Gold status with your Hilton Honors American Express Business Card.


Upgrade to Hilton Honors Diamond Status

Spend $40,000 in eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.


Complimentary National Car Rental Status

Enjoy complimentary National Car Rental Emerald Club Executive status. Enrollment in the complimentary Emerald Club program is required. Terms apply.


Amex Special Ticket Access

Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$195

Purchase APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

$5

Late Payment

$39

For rates and fees of The Hilton Honors American Express Business Card, please visit the American Express website.

Table of Contents

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

How to Apply

Terms Apply. For rates and fees of The Hilton Honors American Express Business Card, please visit the American Express website.

For rates and fees of The Hilton Honors American Express Business Card, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.