Hilton Honors American Express Business
150,000 points welcome · 12x on hotels · $195/yr
The Hilton Honors American Express Business stands out for its everyday earn: 5 points per dollar on the first $100,000 in purchases each calendar year, then 3 points, plus 12 points per dollar at Hilton properties. Amex recently raised the welcome offer from 130,000 to 150,000 points, plus a Free Night Reward, after $8,000 in spend within six months, with the offer ending January 13, 2027. The $195 annual fee is offset by up to $240 a year in Hilton credits, but they come as $60 per quarter, so you need to stay or spend at Hilton regularly to capture them all. Gold status comes with the card, and businesses that spend $40,000 a year can upgrade to Diamond. The tradeoff is that Hilton points are only valuable if you redeem them for Hilton stays, so this card makes sense mainly for business owners who already book Hilton often.
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 |