American Express · Business
Hilton Honors Business
A $195-a-year business card earning Hilton Honors: 12× on Hotels (Portal), 3× on everything else.
- Annual fee
- $195Charged every year
- Signup bonus
- 130,000 ≈ $542 in travel (our estimate)*
- Top rate
- 12×Hotels (Portal)
- Point value
- 0.42¢ In travel · 0.42¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 130,000 points · spend $8,000 in eligible purchases on the Card in the first 6 months of Card Membership | $542 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$195 | −$195 |
| NetYear one includes the bonus · at your inputs · our estimates* | $347 | −$195 |
The bonus needs $8,000 in eligible purchases on the Card in the first 6 months of Card Membership.
Earning structure
3 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Hotels (Portal) Notes12X Bonus Points on purchases made directly with hotels and resorts within the Hilton portfolio | 12× | $5.00 | |
All Other Cap $100,000 / 12 moNotes5X Bonus Points on other purchases made using your Card for the first $100,000 in purchases each calendar year, 3X Points thereafter | 5× | $2.08 | |
| All Other | 3× | $1.25 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $195
- Card type
- Business
- Network
- American Express
- Bank
- American Express
- Point system
- Hilton Honors
- Travel value (our estimate)*
- 0.42¢ per point
- Cash value (our estimate)*
- 0.42¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules5
- Amex 1/10
Amex allows only one bonus per specific card per lifetime. However, when a "No Lifetime Language" offer is available, it means you can receive the sign-up bonus even if you've held that card previously and already earned its bonus. These offers are rare and are usually targeted to specific individuals/businesses, either through email, physical mail, or direct application links.
- Amex 3/90
You'll be declined if you apply for a fourth Amex card in 90 days.
- No 2nd Biz
You might not be allowed to get a second card for a separate business (EIN).
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
- No CR
This business card will not show on your personal credit report, so it won't count against your 5/24 status.
Benefits4 · 2 high value
- Instant Perks & Status High valueComplimentary Hilton Honors Gold Status + 1 more instant perks & status benefit
- Credits & Discounts $240 Hilton Stay Credit
- Earn Perks & Status Upgrade to Hilton Honors™ Diamond Status
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Hilton Honors Business |  American Express Graphite Business Cash Unlimited |  Marriott Bonvoy Business |  US Bank U.S. Bank Business Altitude® Power Visa Signature® Card | |
|---|---|---|---|---|
| Annual fee | $195 | $250+$55 | $125−$70 | $195Same |
| Signup bonus | 130,000 pts | $1,500 | None | 75,000 pts |
| Top rate | 12×Hotels (Portal) | 5×Airfare (Portal), Hotels (Portal) | 6×Hotels (Portal) | 6×Hotels (Portal), Car Rentals (Portal) |
| Travel value * | 0.42¢Hilton Honors | –Cash back | 0.73¢Marriott Bonvoy | 1¢Altitude Rewards |
| Why it’s here | This card | An annual fee within $100; business card | An annual fee within $100, with transferable points; business card | Same $195 annual fee; business card |
American Express Graphite Business Cash Unlimited
$250 fee (+$55) · 5× top$1,500 bonusAn annual fee within $100; business card
Marriott Bonvoy Business
$125 fee (−$70) · 6× topNone bonusAn annual fee within $100, with transferable points; business card
US Bank U.S. Bank Business Altitude® Power Visa Signature® Card
$195 fee (same) · 6× top75,000 pts bonusSame $195 annual fee; business card
Video and discussion
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* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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