Amex Hilton Honors Business
$195/year, earning Hilton Honors Points, on the American Express network.
Card terms last verified against issuer pages on 2026-09-20.
The Amex Hilton Honors Business is a $195/year card from American Express earning Hilton Honors Points. It earns 12x on hilton and 5x on everything else. It carries 1 recurring statement credit worth $240 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Hilton Honors Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Hilton | 12x | |
| Other | 5x | Everything else |
Statement credits
$240 a year across 1 credit against a $195 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Status and included memberships
- Hilton Honors Gold Status — Complimentary Hilton Honors Gold elite status. Includes 80% points bonus on stays, fifth night free on award stays, room upgrades, and complimentary breakfast.
- Hilton Diamond Status ($40k spend) — Spend $40,000 on eligible purchases in a calendar year to earn Hilton Honors Diamond status through the end of the next calendar year.
- National Emerald Club Executive Status — Complimentary National Car Rental Emerald Club Executive status. Includes access to Executive Selection, faster rentals, and exclusive offers.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Baggage Insurance Plan — Coverage for lost, damaged, or stolen baggage when you purchase your entire fare with an eligible Card.
Questions people ask about the Amex Hilton Honors Business
What is the annual fee on the Amex Hilton Honors Business?
The Amex Hilton Honors Business has a $195 annual fee.
What statement credits does the Amex Hilton Honors Business include?
It carries 1 recurring statement credit worth $240 a year in total: $240 Hilton Credit ($60 quarterly, resets on the cardmember year). Verified 2026-09-20.
What does the Amex Hilton Honors Business earn?
12x on hilton, 5x on other, and 5x on everything else, in Hilton Honors Points.
Is the Amex Hilton Honors Business worth the annual fee?
Its recurring statement credits total $240 a year against a $195 fee, so the card pays for itself on credits alone if you use 82% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Amex Hilton Honors Business charge foreign transaction fees?
No — the Amex Hilton Honors Business has no foreign transaction fee.
Other American Express cards
Amex Blue Cash Everyday
Amex Blue Cash Preferred
