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American Express|Business
Ends Jul 29Verified May 2026
Hilton Honors American Express Business Card
4.3/5
Annual Fee
$195
Sign-Up Bonus
130,000 points
Bonus Value
$650
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Earn 130,000 Hilton Honors points after $6,000 in eligible purchases in the first 6 months.
Our Take
If you stay at Hiltons, this is the underrated middle tier, the $60/quarter credit + the $15k-spend Free Night routinely cover the $195 fee, and Gold status is real value at any Hilton property.
Earning Rates
12x
hilton
5x
flights amex
5x
car rentals
5x
us restaurants
5x
us gas
5x
us shipping
5x
wireless
3x
other
At a glance
- 12x at Hilton
- Free night cert after $15k spend
- Second free night after $60k
- Hilton Gold status
Statement credits
2- $240Hilton Statement CreditQuarterly
$60 statement credit per quarter on eligible Hilton purchases
- $240Up to $240 annual Hilton statement credit
Up to $240 annual Hilton statement credit: up to $60 in statement credits per quarter on eligible purchases made directly with a property in the Hilton portfolio when paid with the Hilton Honors Business Card, for a maximum of $240 per calendar year; gift cards are not eligible and the credit does not roll over between quarters
Perks & memberships
6- Lounge accessPath to Hilton Honors Diamond status via spend: charge $40,000 or more in eligible purchases to the Hilton Honors Business Card in a calendar year and Amex will upgrade you to Hilton Honors Diamond status through the end of the next calendar year (no nights required), which adds suite upgrades when available, executive lounge access at participating brands, a 100% bonus on Base Points, and 48-hour guaranteed room availability with 48 hours' notice
- Free nightHilton Free Night Rewards have no formal point cap and are valid for one standard room (one-bedroom suites at all-suite properties) on nearly all Hilton brands worldwide; certificates typically have a 12-month validity from the date of issuance and any resort fees, taxes, and incidentals are still due at the property
- Lounge access10 complimentary Priority Pass Select lounge visits per cardholder per year after enrollment, usable at any of the 1,300+ Priority Pass lounges worldwide; one of the 10 visits may be used to bring a guest (or for a second visit by the cardholder) and additional guests are charged at the Priority Pass non-member rate (currently $35)
- Elite statusComplimentary National Car Rental Emerald Club Executive status after enrollment through your American Express online account, including Executive Area access in the USA and Canada (skip the counter and choose any car from a designated full-size or above row), one-car-class upgrades from full-size when available, and faster path to free rental days
- No foreign feesNo foreign transaction fees on international purchases made with the Card, useful for Hilton stays at international properties, Amex Travel bookings in foreign currency, and business trips abroad
- ExperiencesEligible for Amex Offers (statement-credit offers from third-party merchants such as Hilton properties, business software vendors, restaurants, and travel partners that you add to the Card from your online account before paying with the Card)
Travel & purchase protections
7- Trip Cancellation and Trip Interruption Insurance up to $10,000 per trip and up to $20,000 per Card Account per consecutive 12-month period when you charge the entire round-trip common-carrier fare to the Hilton Honors Business Card and a covered reason cancels or cuts the trip short (covered reasons include serious illness, severe weather, and other named perils per the Amex benefits guide)
- Trip Delay Insurance up to $500 per covered trip for delays of more than 6 hours, with a maximum of 2 covered trips per Eligible Card per consecutive 12-month period, for reasonable additional expenses (meals, lodging, toiletries) when the entire round-trip is paid for with the Card
- Baggage Insurance Plan: secondary coverage in excess of the common carrier for lost, damaged, or stolen baggage when you charge the entire common-carrier fare (plane, train, ship, or bus) to the Card, with coverage up to $1,250 for carry-on bags and up to $500 for checked baggage (NY State residents have a $10,000 aggregate limit per Covered Trip)
- Cell Phone Protection: reimbursement up to $800 per claim for damage to or theft of an eligible cell phone (lost phones and cosmetic damage excluded) when the prior month's wireless bill is paid with the Card; coverage is subject to a $50 deductible per claim and limited to 2 approved claims per 12-month period (coverage underwritten by AIG / New Hampshire Insurance Company)
- Purchase Protection: covers eligible purchases made with the Card against accidental damage, theft, or loss for up to 90 days from the purchase date, up to $1,000 per Covered Purchase and up to $50,000 per Card Member account per calendar year
- Extended Warranty: extends eligible U.S. manufacturer warranties of 5 years or less by up to one additional year on Covered Purchases made with the Card in the United States or its territories
- Global Assist Hotline: 24/7 emergency medical, legal, financial, and translation coordination and referral services whenever you travel more than 100 miles from home; Amex coordinates the services and the cardholder pays third-party fees
More benefits & fine print (2)ShowHide
- Refer-A-Business bonus: cardholders can refer other small business owners and earn up to a published cap of bonus Hilton Honors points per approved application, with annual program-wide caps (currently up to 80,000 Hilton points per calendar year via Refer-A-Business when promoted)
- Sleek metal Card design (the Hilton Honors Business Card was refreshed to a metal card body in 2024), useful as a small everyday business signal of legitimacy alongside the Amex acceptance footprint
How we verified this card (5 sources)ShowHide
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How to Earn the Bonus
Spend $8,000 in the first 6 months to earn the 130,000 points bonus.
See the Current Offer
Earn 130,000 points
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