Hilton Honors American Express Business Card
$195 annual fee · $240/yr in printed statement credits · 3x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 3x | uncapped |
| Hotels at Hilton only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
12x | uncapped |
Signup bonus: 130,000 points after $6,000 in 6 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $240/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Hilton Credit | $240/year | quarterly |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Hilton Honors Gold status (80% bonus points on stays, space-available upgrades)
- Upgrade to Hilton Honors Diamond status through end of next calendar year after $40,000 spend in a calendar year
- Complimentary National Car Rental Emerald Club Executive status (enrollment required)
- No Foreign Transaction Fees
- Baggage Insurance Plan
- Car Rental Loss and Damage Insurance (secondary)
- Extended Warranty
- Purchase Protection (up to $1,000/purchase, $50,000/calendar year)
Does the fee earn out?
The printed statement credits ($240/yr) cover the $195 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $195 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn Hilton Honors points →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com · www.cnbc.com · www.thepointsguy.com. Spot an error? Tell us.