Ends Jan 13Verified Oct 2026

Hilton Honors American Express Business Card

Name: Hilton Honors American Express Business Card
Brand: American Express

American Express|Business

4.3/5

Annual Fee

$195

Sign-Up Bonus

150,000 points + Free Night Reward

Bonus Value

$585

Referral link: RewardZ's founder earns card rewards if you are approved through this link. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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Is this card worth it?

Annual fee

$195

Welcome offer

150,000 points + Free Night Reward

Est. value

$585

Best for

Hotel

1 statement credit you can track below.

View Offer

Limited-time offer: spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership to earn 150,000 Hilton Honors Bonus Points and a Free Night Reward.

Benefits and fees last verified May 2026against the issuer's published terms.

Welcome offer, as last checked

150,000 Hilton Honors points plus a Free Night Reward once $8,000 of purchases posts within your first 6 months of Card Membership, for applications by January 13, 2027. $195 annual fee.

Annual fee: $195
Issuer end date: Jan 13, 2027

Offer checked: Oct 29, 2026Issuer-verifiedhigh confidence

Welcome offers change often and can differ by application channel. Verify the current offer with the issuer before you apply.

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

all purchases first 100k per year

other

At a glance

12x at Hilton
Free night cert after $15k spend
Second free night after $60k
Hilton Gold status

Important considerations

High spend to earn the bonus
You must spend $8,000 within 6 months to earn the welcome bonus, which can be a stretch for lighter spenders.

Based on this card's terms last verified May 2026.

Hilton Honors American Express Business Card

American Express

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

Spending categories
Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
Cards held
Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
Saved trips
Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

No transfer partners

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

Cards held not known

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

No saved trip

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

Spending categories needed

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

Verified

$195 annual feeIssuer check 2026-10-29

150,000 Hilton Honors points plus a Free Night Reward once $8,000 of purchases posts within your first 6 months of Card Membership, for applications by January 13, 2027. $195 annual fee. (150,000 points, after $8,000 of spend in 6 months, issuer-verified 2026-10-29)

High spend to earn the bonus. You must spend $8,000 within 6 months to earn the welcome bonus, which can be a stretch for lighter spenders.

Computed 2026-11-13 from the facts above. This is a request-time answer, not something we monitor for you.

Statement credits

$240
Hilton Statement CreditQuarterly
$60 statement credit per quarter on eligible Hilton purchases

Perks & memberships

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
Authorized usersUp to 99 Employee Hilton Honors Business Cards with no annual fee for each Employee Card, earning Hilton Honors Bonus Points at the same rates as the Basic Card; spending limits, real-time alerts, summary reports, and Account Manager delegation are included to help track team spend
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

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 (3)Show

Hilton Honors points follow Hilton's standard rule: they are forfeited after 24 consecutive months without eligible activity, and points earned with this Card count as that activity, so using the Card keeps the balance active while holding it unused does not (per the Hilton Honors Terms and Conditions effective July 15, 2026)
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