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Hilton Honors American Express Business Credit Card

Hilton Honors American Express Business Credit Card card art

Estimated value every year on typical spending

$45/ year

Every year, after the annual fee. Year one adds a $750 welcome bonus: $795

+$156rewards+$84credits & perks−$195annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Credits & perks, at estimated real use: Hilton Credit $240 → $84

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit American Express

Is it worth it?

On typical spending the Hilton Honors American Express Business Credit Card returns about $240 a year in rewards and usable credits, which covers its $195 fee with $45 to spare. The welcome bonus adds roughly $750 in the first year.

The fine print

Intro APR
Not applicable
Regular APR
19.74% to 28.74% variable
Foreign fee
None
Top perk
$240 Hilton Credit
Approval
Good credit recommended
Redeem for
Airline/hotel bookings · Loyalty program transfers · Gift cards

Rewards

  • 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio
  • 5X on other eligible purchases on the first $100K in eligible purchases per calendar year
  • 3X Points thereafter

Sign-up bonus

150,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $8,000 on eligible purchases on your Card within your first 6 months of Card Membership.

Best for

  • Business spending
  • Travelers who redeem points

Not ideal for

  • People who want plain cash back

Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Large welcome bonus ↔ higher spend requirement.

Worth knowing

Annual fee
$195
Intro APR
Not applicable
Regular APR
19.74% to 28.74% variable
Balance transfer fee
None
  • $1200/mo on everyday spending earns about $72/year (0.5x).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Hilton Honors American Express Business Credit Card: questions people ask

Is the Hilton Honors American Express Business Credit Card worth it?

On typical spending the Hilton Honors American Express Business Credit Card returns about $240 a year in rewards and usable credits, which covers its $195 fee with $45 to spare. The welcome bonus adds roughly $750 in the first year.

What is the Hilton Honors American Express Business Credit Card annual fee?

The Hilton Honors American Express Business Credit Card has a $195 annual fee. On typical spending its rewards and usable credits come to about $240 a year, so it nets about $45 after the fee.

What is the Hilton Honors American Express Business Credit Card welcome bonus?

Earn 150,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $8,000 on eligible purchases on your Card within your first 6 months of Card Membership. We value it at about $750. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Hilton Honors American Express Business Credit Card earn?

12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio. 5X on other eligible purchases on the first $100K in eligible purchases per calendar year. 3X Points thereafter.

What credit score do you need for the Hilton Honors American Express Business Credit Card?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Hilton Honors American Express Business Credit Card charge foreign transaction fees?

No. The Hilton Honors American Express Business Credit Card has no foreign transaction fee.

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.