The Hilton Honors American Express Business Card

Designed for business owners who frequently stay at Hilton properties, The Hilton Honors American Express Business Card turns corporate spending and hotel bookings into valuable loyalty rewards. With built-in elite status and elevated earnings on general business expenses, it serves as a workhorse card for frequent travelers.

Welcome Offer

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward

Annual Fee

$195

Rec. Credit Score

Good

Good For

Frequent Hilton business travelers

How to Apply Estimate your value

All information about The Hilton Honors American Express Business Card has been collected independently by MaxRewards. The Hilton Honors American Express Business Card is no longer available through MaxRewards.

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...

Hilton hotel stays

Automatic elite status benefits

Broad business spending

For business owners who regularly stay at Hilton properties, the $195 annual fee is exceptionally easy to justify. The card offers up to $240 in annual Hilton statement credits, distributed as up to $60 per quarter, which can single-handedly offset the yearly cost. Add in automatic Hilton Honors Gold status, which provides perks like space-available room upgrades and daily food and beverage credits, and regular guests can easily unlock significant value.

The earning structure is also compelling for general operating expenses, offering 5x Hilton Honors points on all eligible purchases up to $100,000 each calendar year before dropping to 3x. While Hilton points carry a lower baseline valuation than flexible transferable point currencies, the card provides a solid return across all everyday business expenses without requiring you to track complicated bonus categories.

MaxRewards Verdict

This card is an outstanding choice for small business owners loyal to Hilton who want to recoup the annual fee through statement credits and elite status. Businesses seeking transferable rewards points or non-hotel perks will likely find broader travel cards a better fit.

Welcome Offer

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward

after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 1/13/2027.

Est. Value

$600

Required Spend

$8,000

Time Frame

6 Months

Est. Value

$600

Required Spend

$8,000

Time Frame

6 Months

Earning

Rewards

You earn Hilton Honors points on every eligible business purchase, with the highest return reserved for direct bookings across the Hilton portfolio.

CategoryRate

Hotels and Resorts (Hilton)

4.8%

Other Eligible Purchases

Up to $100,000 spend per year

Everywhere

1.2%

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

Annual Credits & Perks

Benefits

In addition to points, the card provides tangible perks like quarterly hotel credits, automatic status upgrades, and car rental privileges that help offset the annual fee.

BenefitAnnual value

$100,000

$250

$240

Enrollment is required for select benefits.

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Earn 5x Hilton Honors Bonus Points

Autotracked

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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Premium Car Rental Protection

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.

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

19.74% - 28.74%

Variable

Cash Advance APR

28.99%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

Late Payment

$39

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

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7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000 Or More
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Rec. Credit

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6%Top Two Eligible Categories
4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
1.5%Everywhere

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Rec. Credit

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