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The Hilton Honors American Express Business Card

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Rates and Fees

Annual Fee:ย $195

Bonus Miles
Bonus Points
130,000
Recommended Credit
Good to Excellent
Current Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

โœ… Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

130,000
Bonus Points

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For American Express products listed in this page, 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.

Summary

The Hilton Honors American Express Business Card is a co-branded hotel rewards credit card tailored for businesses. It offers the opportunity to earn Hilton Honors points on business expenses, providing benefits for those who frequently stay at Hilton properties. The card includes various Hilton-related benefits and is suitable for business travelers who prefer Hilton hotels.

Earning Rewards

[.redeem] 12x [.redeem] per $1 for each dollar of eligible purchases made directly with hotels and resorts within the Hilton portfolio

[.redeem] 5x [.redeem] per $1 on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x Points thereafter

Additional Benefits

  • 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 Honorsโ„ข Gold Status with your Hilton Honors Business Card. With Hilton Honorsโ„ข 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 Honorsโ„ข Diamond Status through the end of the next calendar year if the total eligible purchases that you spend 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 Rentalยฎ Emerald Club Executiveยฎ status through the link on your American Express online account. After youโ€™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.โ€
  • See Rates & Fees

Foreign Transaction Fee

Rates and Fees
  • None

For American Express products listed in this page, 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.

Also consider

๐Ÿ† Best Entry-level Hilton Card

Hilton Honors American Express Card

Hilton Honors American Express Card

Hilton Honors American Express Card

๐Ÿ† Best Entry-level Hilton Card

80,000
Bonus Points
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
80,000
Bonus Points
Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership.
The Hilton Honors Amex card is a travel rewards credit card that offers Hilton enthusiasts the opportunity to earn points on everyday spending and enjoy complimentary Hilton Honors Silver status, making it a valuable choice for those who frequently stay at Hilton properties. With no annual fee, this card provides a cost-effective way to enhance your Hilton hotel experience and earn rewards.
โœ… Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

๐Ÿ† Best for Hilton Gold Status

Hilton Honors American Express Surpassยฎ Card

Hilton Honors American Express Surpassยฎ Card

Hilton Honors American Express Surpassยฎ Card

๐Ÿ† Best for Hilton Gold Status

130,000
Bonus Points
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpassยฎ Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
130,000
Bonus Points
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpassยฎ Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
The Hilton Honors Surpass card is a premium hotel rewards credit card that provides Hilton enthusiasts with generous rewards, including complimentary Hilton Honors Gold status, elevated points earning potential, and a free night reward upon reaching a spending threshold. With a moderate annual fee, this card is an excellent choice for travelers who frequently stay at Hilton properties and want to enjoy enhanced benefits and substantial rewards.
โœ… Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
130,000
Bonus Points

The Hilton Honors American Express Business Card

CURRENT OFFER

130,000

Bonus Points

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

REWARDS RATE
3-12x points
ANNUAL FEE
$195
Our Score
87
Annual Fee (20%)
10
Welcome Offer (20%)
7
Rewards Rates (20%)
10
Redemptionย Value (15%)
8
Card Benefits & Perks (15%)
8
Travel Protections (10%)
9
Our Mission
Rating Methodology

Our Take

McKay Moffitt

If youโ€™re a business owner who regularly stays at Hilton properties, this card is has some serious value. With automatic Hilton Honors Gold status, solid earning rates at Hilton hotels, and up to $240 back each year on eligible Hilton purchases (up to $60 in statement credits per quarter), itโ€™s great for both everyday expenses and travel. The low annual fee is easy to justify when you add in perks, and while it's not the flashiest business card out there, for Hilton loyalists, itโ€™s a super solid option.

Comparable Cards

Marriott Bonvoy Businessยฎ American Expressยฎ Card

Annual Fee:ย $125

Rates & Fees
|
Terms Apply
WELCOMEย OFFER
125,000
Bonus Points
OUR SCORE
78

IHG One Rewards Premier Business Credit Card

Annual Fee:ย $99

Rates & Fees
|
Terms Apply
WELCOMEย OFFER
Up to 200,000
Bonus Points
OUR SCORE
87

World of Hyatt Business Credit Card

Annual Fee:ย $199

Rates & Fees
|
Terms Apply
WELCOMEย OFFER
60,000
Bonus Points
OUR SCORE
88
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro] Ability to earn Hilton Honors points on business expenses, stays at Hilton properties, and everyday spending [.pro]

[.pro] Complimentary Hilton Honors Gold status, which includes various hotel perks [.pro]

[.pro] The potential to earn Hilton Honors Diamond status through annual spending [.pro]

[.pro] Access to a range of premium hotel benefits and discounts when staying at Hilton hotels [.pro]

โ€

Cons

[.con] Requires high spend thresholds to unlock some of the best perks [.con]

[.con] Benefits are tailored to Hilton properties and are best for loyalists [.con]

โ€

Rewards Summary

[.redeem] 12x [.redeem] per $1 for each dollar of eligible purchases made directly with hotels and resorts within the Hilton portfolio

[.redeem] 5x [.redeem] per $1 on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x Points thereafter

Additional Benefits

  • 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 Honorsโ„ข Gold Status with your Hilton Honors Business Card. With Hilton Honorsโ„ข 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 Honorsโ„ข Diamond Status through the end of the next calendar year if the total eligible purchases that you spend 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 Rentalยฎ Emerald Club Executiveยฎ status through the link on your American Express online account. After youโ€™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.โ€
  • See Rates & Fees

How to make the most of your

The Hilton Honors American Express Business Card

[.dontreco] We donโ€™t recommend: Redeeming points for gift cards or non-travel purchases [.dontreco]
โ€

The value here is often well below 0.5 cents per point, which makes your hard-earned Hilton stash worth much less. Stick to travel redemptions to maximize your spend.

โ€

[.sometimesreco] We sometimes recommend: Redeeming points for experiences or transfers [.sometimesreco]
โ€

Hilton offers experiences like concerts, culinary events, and private tours through its Hilton Honors Experiences platform. While not always the best cents-per-point value, these can create memorable redemptions. Transfers to airline partners exist, but theyโ€™re usually not competitive compared to direct hotel bookings.

โ€

[.alwaysreco] We always recommend: Using your Hilton points for hotel stays [.alwaysreco]
โ€

Hilton points tend to shine when redeemed for high-value properties like Waldorf Astoria or Conrad resorts. Youโ€™ll often see outsized value when booking luxury stays compared to using points at mid-tier properties. Since Hilton allows for โ€œ5th night freeโ€ on award stays, stretching your points across longer stays is one of the best strategies.

Transfer Partners

PROGRAM NAME
TRANSFER RATIO

Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Aug 2025
through
Earn 130,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Jun 2025
through
Aug 2025
Earn 150,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Earn an additional 25,000 bonus points after spending an additional $2,000 on purchases in the first six months of card membership.
Current Offer since
Apr 2025
through
Jun 2025
Earn 130,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Mar 2025
through
Jun 2025
Earn 180,000 bonus points: 130,000 bonus points after spending $2,000 on purchases in the first three months of card membership, then an additional 50,000 points after spending a total of $10,000 or more on purchases in the first six months of card membership.
Current Offer since
Feb 2025
through
Apr 2025
Earn 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership.
Current Offer since
Jan 2025
through
Feb 2025
Earn 130,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Sep 2024
through
Jan 2025
Earn 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership.
Current Offer since
Jun 2024
through
Sep 2024
Earn 130,000 bonus points after spending $6,000 on purchases in the first six months of card membership.
Current Offer since
Jul 2023
through
Mar 2024
Earn 130,000 bonus points after spending $3,000 on purchases in the first three months of card membership.
Current Offer since
May 2023
through
Jul 2023
Earn 150,000 bonus points plus a free night reward after spending $4,000 on purchases in the first three months of card membership.
Current Offer since
Apr 2023
through
May 2023
Earn 130,000 bonus points after spending $3,000 on purchases in the first three months of card membership.
Current Offer since
Feb 2023
through
Apr 2023
Earn 165,000 bonus points after spending $5,000 on purchases in the first three months of card membership.
Current Offer since
Dec 2022
through
Feb 2023
Earn 130,000 bonus points after spending $3,000 on purchases in the first three months of card membership.
Current Offer since
Oct 2022
through
Dec 2022
Earn 130,000 bonus points after spending $5,000 on purchases in the first three months of card membership. Plus, earn a free night reward after spending $10,000 on purchases in the first six months of card membership.
Current Offer since
Jul 2022
through
Oct 2022
Earn 130,000 bonus points after spending $3,000 on purchases in the first three months of card membership.
Current Offer since
May 2022
through
Jul 2022
Earn 130,000 bonus points after spending $3,000 on purchases in the first three months of card membership. Plus, earn up to $130 in statement credits on eligible purchases made at any Hilton property in the first 12 months of card membership.
Current Offer since
Apr 2022
through
May 2022
Earn 130,000 bonus points after spending $3,000 on purchases in the first three months of card membership.

Best Complementary Cards

Ink Business Preferredยฎ Credit Card

If you want to balance Hilton-specific perks with broader rewards, the Ink Business Preferred is a strong partner. It earns Ultimate Rewards on common business categories and pairs with cards like the Chase Sapphire Preferredยฎ Card or Chase Sapphire Reserveยฎ for Hyatt or airline redemptions. By combining Hilton points with Chaseโ€™s flexible currency, youโ€™re covering both chain-specific and flexible partners.

Hilton Honors American Express Surpassยฎ Card

While doubling up on Hilton cards may sound crazy, the Surpass is great for frequent travelers who want even more Hilton points outside of business spend. It adds lounge visits, elevated earning at U.S. supermarkets and dining, and an additional Free Night Reward opportunity โ€” a solid way to stack benefits across personal and business expenses.

The Platinum Cardยฎ from American Express

ELEVATED OFFER

This card pairs beautifully with the Hilton Honors Business card. The Platinum gets you automatic Hilton Honors Gold status as well, but more importantly, it comes with luxury perks like Centurion Lounge access, airline fee credits, and strong earning on flights. Together, youโ€™ll have the flexibility of transferable Membership Rewards points plus the dedicated Hilton perks.

Who Should Get The

The Hilton Honors American Express Business Card

?

1. The Hilton Loyalist

โ€If youโ€™re already staying at Hilton properties a few times per year, this card is a no-brainer. The automatic Gold status (free breakfast, upgrades, late checkout) combined with boosted earnings makes Hilton stays much more rewarding.
โ€

2. The Small Business Owner

This cardโ€™s generous earning rates are perfect for those with small-business expenses. If you funnel your spend here, youโ€™ll rack up Hilton points quickly while working toward Free Night Rewards.

Who Should Not Get The

The Hilton Honors American Express Business Card

?

Travelers who rarely (or never) stay at Hilton properties wonโ€™t find value here. Since points canโ€™t be transferred to other hotels or airlines at competitive rates, youโ€™ll be locked into Hilton redemptions. If your business doesnโ€™t rack up much spend in the bonus categories, or if youโ€™d prefer more flexible points currencies, a Chase or American Express Membership Rewards card may be a better starting point.

Customer Reviews &ย Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.ย 

Frequently Asked Questions (FAQs)

Whatโ€™s considered an โ€œeligible purchaseโ€ for statement credits and earning?

Eligible purchases are charges made directly with Hilton properties (such as room charges, dining, spa), that qualify for up to $60 back per quarter and count toward the $40K spending threshold.

Do Hilton Honors Bonus Points count toward elite status?

No, bonus Points do not count toward elite tier qualification or lifetime status โ€” only Base Points do.

How long after eligible purchases do bonus points post to my Hilton account?

Bonus Points post up to 12 weeks after the end of your billing period.

What elite status do I get, and how can I reach the next tier?

You receive Hilton Honors Gold status automatically. To upgrade to Diamond status, spend $40,000 in a calendar year.

Can I add employee (authorized user) cards, and are there fees?

Yes, you can add up to 99 Employee Cards with no additional annual fee.

Our Experts

Written by:ย McKay Moffitt

Writer

โ€

Edited by:ย Tiffany Eastham

Writer &ย Editor

โ€

โ€

โ€

โ€

Updated: ย 
September 10, 2025

For American Express products listed in this page, 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.

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