American Express
Hilton Honors Business Card
Key Features
| Annual Fee | $195.00 |
| Sign-up Bonus | Up to 175,000 points |
| Rewards Rate | 12x, 5x, 3x Hilton points |
| Regular APR | APR on purchases will be a variable rate, 19.49% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. |
| Network | American Express |
About this card
The Hilton Honors Business Card earns an overall rating of 3.5 out of 5. This assessment considers the card's strengths and weaknesses. The strong rewards program, especially for Hilton loyalists (4.1 rating), significantly boosts its value. The reasonable sign-up bonus is also a plus. The annual fee is somewhat mitigated by the $240 Hilton credit. However, the high APR (1.5 rating) is a major drawback, making it costly for those who carry a balance. The card's value is highly dependent on Hilton brand loyalty. Strengths include a generous sign-up bonus, high rewards rate for Hilton stays, and valuable perks such as Hilton status and no foreign transaction fees. Weaknesses include the annual fee, high APR, and limited flexibility due to the Hilton-centric rewards structure. The card is best suited for business owners who frequently stay at Hilton properties.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
- Luxury perks
Things to consider
- Annual fee
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- 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 the first 6 months of Card Membership. Offer ends 4/15/26.
Rewards
- 12X HILTON HONORS BONUS POINTS At Hilton per dollar for eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- 5X HILTON HONORS BONUS POINTS On Other Eligible Purchases on the first $100K in eligible purchases per calendar year, 3X Points thereafter.
Other features
- $240 Hilton Credit Get up to $240 back each year on eligible purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
- Complimentary Hilton Honors Gold Status Enjoy complimentary Gold status with your Card. Gold status gives you an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more.
- Upgrade to Hilton Honors Diamond Status Spend $40,000 on 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 Emerald Club Executive Status Hilton Honors Business Card Members can enjoy complimentary National Car Rental Emerald Club Executive status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
- No Foreign Transaction Fees Use your Card on purchases when you travel abroad without the worry of foreign transaction fees.
Additional Notes
American Express can be accepted at 99% of places in the US that accept credit cards. 3Based on the Feb 2024 Nilson Report.