American Express

Hilton Honors Business Card

Cobranded Business

Annual fee	$195 Fact
Foreign transaction fee	None
Rewards currency	Hilton Honors Points
Est. point value	0.40¢ Estimate

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Last updated Jul 26, 2026

Checked Jul 26, 2026

Before you apply

2/90. American Express generally approves at most 2 of its credit cards per 90 days. Community-reported.

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

5 credit card limit. American Express generally limits you to 5 of its credit cards at once. Community-reported.

10 charge card limit. American Express generally limits you to 10 of its charge cards at once. Community-reported.

General American Express policies as commonly reported by applicants, not a prediction about your application.

How you earn

Category	Rate	Currency	Cap
Hotels	12x	Hilton Honors Points	No cap
Everything else	5x	Hilton Honors Points	$100,000/yr

Your elite status

Status This card gives you Gold status with Hilton Honors.

Status This card gives you Executive status with National Emerald Club.

Recurring credits

Estimated value

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

$240/yr (Quarterly)

Credit value depends on whether you use each credit; treat these as potential value.

Benefits & protections

Card facts

Elite Status & Upgrades 3

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.

Spend $40,000 on eligible purchases on your Card in a calendar year to earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.

Complimentary Hilton Honors Gold member status, including 80% Bonus on Base Points earned on every stay, space-available room upgrades at select properties, and more.

Travel Benefits 1

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 & Insurance 5

Add up to 99 Employee Cards at no additional annual fee and earn Hilton Honors Bonus Points on employee purchases the same way your own Card does.

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.

Extends the terms of the Original Manufacturer's Warranty up to one additional year on eligible warranties of 5 years or less in the United States or its territories.

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).

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.

Other Perks 2

Enroll eligible American Express Business, Corporate, or Corporate Purchasing Card in Vendor Pay by BILL. Basic plan has no monthly fee for first user; fees apply for additional users and advanced plans.

Connect to QuickBooks to help manage employee Business Card expenses; transactions and matched receipts are automatically sent to QuickBooks daily.