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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Hilton Honors American Express Business Card card art
Hilton Business 1 of 1
Comparing 1 card
Hilton Honors American Express Business Card card art
American Express
Hilton Business
Apply Details
Cost and value $195 fee
Annual fee
$195
Credits you can use a year, if you use every one
$240
Fee after credits
$45 back credits beat the fee
Point value per point or mile
0.40¢ Estimate
Rewards currency
Hilton Honors Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 150,000 points, about $600
Bonus
150,000 points + Free Night Reward
Estimated value
$600 for the points
Spend to earn it less a month is easier
$8,000 in 180 days about $1,333 a month
Offer ends
Jan 13, 2027
Earning rates Top rate 12x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Everything else
5x about 2.0% back, on up to $100,000/yr
Only on this card
  • 12x Hotels
Statement credits $240 a year
Other credits
  • $240 a year $60 every 3 months
    What counts

    Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio, up to $240 annually.

Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel Hilton Honors Gold, National Emerald Club Executive
Elite status
  • Hilton Honors: Gold
  • National Emerald Club: Executive after you enroll
Other status perks
  • Spend $40,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
Travel benefits
  • 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Protection and insurance 5 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Baggage
  • Coverage for lost, damaged, or stolen baggage when you purchase the entire fare for a common carrier vehicle ticket on an eligible card. Up to $1,250 for carry-on and $500 for checked baggage.
Rental car
  • Coverage for damage to or theft of a rental vehicle in a covered territory when you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW).
Extended warranty
  • Extend the terms of the original manufacturer's warranty up to one additional year on warranties of 5 years or less on covered purchases.
Purchase protection
  • Covers eligible purchases for up to 90 days from purchase date if stolen or accidentally damaged, up to $1,000 per covered purchase and $50,000 per Card Member account per calendar year.
Other coverage
  • Add up to 99 Employee Cards and earn Hilton Honors Bonus Points on employee purchases the same way your own Card does. Employee Card option offered with no annual fee.
Lifestyle and other perks 1 perk
Other perks
  • Use your Hilton Honors American Express Business Card globally without incurring foreign transaction fees.
Employee cards Paid
Cost
Up to 99 employee cards at no cost.
Each one gets
  • Baggage insurance plan
  • Car rental loss and damage insurance
  • Employee cards
  • Extended warranty
  • Purchase protection
Application rules 2/90
Issuer approval rules
  • 2/90 Community-reported
    What counts

    American Express generally approves at most 2 of its credit cards per 90 days.

  • 5 credit card limit Community-reported
    What counts

    American Express generally limits you to 5 of its credit cards at once.

  • 10 charge card limit Community-reported
    What counts

    American Express generally limits you to 10 of its charge cards at once.

Bonus eligibility
  • Once per lifetime Issuer-stated
    What counts

    American Express welcome offers are generally once per lifetime for each card, unless your specific offer omits the lifetime language.

Card type
Business