Hilton Honors American Express Business
130,000 points welcome · 12x on hotels · $195/yr
The Hilton Honors American Express Business is a straightforward earner for businesses that sleep at Hilton properties: 12x points on Hilton purchases and a strong 5x on everything else up to $100,000 a year, which makes it one of the highest flat earn rates of any business card when measured in Hilton points. Up to $240 in quarterly Hilton credits and complimentary Gold status do the work of offsetting the $195 annual fee, and big spenders can unlock Diamond status at $40,000 in a calendar year. The notable gap is that, unlike the personal Surpass card, this card no longer offers a spend-based Free Night Reward, so weigh that against the Surpass if you are choosing between them. For a business with steady travel and supply spend that stays loyal to Hilton, the points pile up fast.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels Purchases made directly with hotels and resorts in the Hilton portfolio | 12x |
Everything Else First $100,000 in purchases per calendar year, then 3x on first $100,000/yr, then 3x | 5x |
| Benefit | Value |
|---|---|
Hilton Credit Up to $60 back each quarter on purchases made directly with a property in the Hilton portfolio | $60 /qtr |
| Total annual credits | $240 |
Card details
Regular APR | 19.49%–28.49% variable |
Foreign transaction fee | None |