Hilton Honors American Express Business Card
For business owners who put operating spend on one card and stay at Hilton brands. The flat 5X on the first $100,000 in purchases each calendar year is broad for a hotel card. Up to $60 in Hilton statement credits each quarter can offset most of the $195 fee. Rewards stay inside Hilton Honors, so the value depends on stays.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Hilton Honors Gold status for the account
- Up to $240 per year in Hilton statement credits, issued as up to $60 per quarter
- 5X points on nearly all business spending up to $100,000 per calendar year
- Complimentary National Car Rental Emerald Club Executive status, enrollment required
- Purchase protection up to $1,000 per covered purchase and extended warranty coverage
- Employee cards at no additional annual fee
- Annual fee: $195
- Regular purchase APR: 19.49% - 28.49% Variable
- Intro APR: N/A
- Balance transfers: not offered on this card
- Cash advance APR: 28.74% Variable
- Cash advance fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late payment fee: Up to $39
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- Your business spending reaches five figures a year and earns 5X on the first $100,000
- You or your team stay at Hilton properties and can use $240 in yearly credits
- You want Gold status now and a spending path to Diamond at $40,000
- You should skip it if your business rarely books Hilton; a flexible-points business card fits better
Hilton Honors American Express Business Card Review
The Hilton Honors American Express Business Card gives Hilton-loyal businesses one card for stays and operating spend. This review covers the flat 5X structure, the quarterly credits and the $195 annual fee.
How You Earn
Earning is unusually flat for a hotel card: one 5X rate covers most business spending up to a $100,000 yearly cap.
- After $100,000 in a calendar year, other purchases earn 3X
- Hilton stays always earn 12X on top of status bonuses
| Category | Earn rate |
|---|---|
| Hilton hotels and resorts | 12X |
| First $100,000 in other purchases per year | 5X |
| Other purchases after the cap | 3X |
How You Redeem
Points land in Hilton Honors and redeem best as standard room reward nights for you or traveling employees.
- Book reward nights across the Hilton portfolio
- Pool value with points earned from company stays
- Non-hotel redemptions generally return less value
Benefits and Protections
The card covers travel basics and adds business tools on top.
- Up to $60 quarterly Hilton statement credits
- Baggage insurance and car rental loss and damage insurance
- Extended warranty and purchase protection
- Employee cards, spending summaries and accounting integrations
Who This Card Is For
This card is for a business that books Hilton stays and wants operating spend earning hotel points at a flat rate. The quarterly credits reward companies with steady Hilton bookings.
- Owners whose teams stay at Hilton brands
- Businesses with up to six figures of card spending
- Not for businesses that need flexible points or travel beyond Hilton
Comparison
| Feature | Hilton Honors American Express Business Card | Marriott Bonvoy Business® American Express® Card | Marriott Bonvoy Boundless® Credit Card |
|---|---|---|---|
| Annual Fee | $195 | $125 | $95 |
| Welcome Offer | 130,000 pts after $6,000 in 6 months | Up to 125,000 pts, two spend tiers in 6 months | 4 Free Night Awards after $3,000 in 3 months |
| Rewards Rate | 12X Hilton, 5X on first $100K per year | 6X Marriott, 4X dining, gas, shipping | Up to 17X at Marriott hotels |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Hilton business spending | Marriott business travel | Marriott free nights |
Issuer Comparison
| Feature | Hilton Honors American Express Business Card | Marriott Bonvoy Business® American Express® Card | Hilton Honors American Express Surpass® Card |
|---|---|---|---|
| Annual Fee | $195 | $125 | $150 |
| Welcome Offer | 130,000 pts after $6,000 in 6 months | Up to 125,000 pts, two spend tiers in 6 months | 130,000 pts after $3,000 in 6 months |
| Rewards Rate | 12X Hilton, 5X on first $100K per year | 6X Marriott, 4X dining, gas, shipping | 12X Hilton, 6X everyday categories |
| Key Credits | Up to $240 Hilton credit per year | Annual Free Night Award up to 35,000 pts | Up to $200 Hilton credit per year |
| Best For | Hilton business spending | Marriott business travel | Personal everyday Hilton earning |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.