American Express

Hilton Honors American Express Business Card

Cobranded Business News on this card (2)

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 Oct 23, 2026

Checked Oct 28, 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.

Sign-up bonus history

5-year best: 150,000 points

$3k spend $6k spend $8k spend 5-year best

View as a table

Period	Bonus	Spend requirement
Oct 2021 to Sep 2026 · 4.9 yr	130,000 points	$3,000
Sep 2026 to Oct 2026 · 1 mo	150,000 points Best	$6,000
Sep 2026 to now · 2 mo	150,000 points plus Free Night Reward Best	$8,000

Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.

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. Enrollment required.

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.

Shared across the account

Cards that cover Hilton

$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.

Primary cardmember only

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.

Primary cardmember only

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.

Primary cardmember only

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 and earn Hilton Honors Bonus Points on employee purchases the same way your own Card does. Employee Card option offered with no annual fee.

Also for each employee card

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.

Covers employee cards when they pay with their card

Extend the terms of the original manufacturer's warranty up to one additional year on warranties of 5 years or less on covered purchases.

Covers employee cards when they pay with their card

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).

Covers employee cards when they pay with their card

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.

Covers employee cards when they pay with their card

Other Perks 1

Use your Hilton Honors American Express Business Card globally without incurring foreign transaction fees.

Employee cards on the Hilton Business

Card facts

Up to 99 employee cards at no cost.

Each employee card gets

Baggage insurance plan
Car rental loss and damage insurance
Employee cards
Extended warranty
Purchase protection

Shared across the account

Hilton portfolio statement credit

Primary cardmember only

Hilton Honors diamond status upgrade
Hilton Honors gold status
National car rental Emerald Club executive status

News on this card

Article Sep 14, 2026
Hilton Aspire Card Welcome Offer Jumps to 200,000 Points
The Hilton Honors Aspire Card now offers 200,000 points after $6,000 in six months, up from 150,000 at the same spend. Offer ends January 13, 2027.
Article Sep 12, 2026
Three New Amex Business Welcome Offers, Two With Higher Spend
Amex raised welcome offers on the Marriott Bonvoy Business, Hilton Honors Business and Business Green cards. Two now ask for $8,000 instead of $6,000.

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