The Hilton Honors American Express Business Card is a Hilton co-branded business credit card offering Hilton Honors Gold Status, up to $240 in Hilton Credits each year, and 5X Hilton Honors Points on the first $100,000 in other eligible purchases each calendar year.
It is best suited for business owners who regularly stay at Hilton properties and have significant business spending.
👉 Apply for the Hilton Honors American Express Business Card
Hilton Honors American Express Business Card Benefits
| Benefit | Details |
|---|---|
| Annual Fee | US$195 |
| Employee Card Annual Fee | $0 |
| Hilton Honors Status | Gold Status |
| Hilton Credit | Up to $60 per quarter, up to $240 per year |
| Diamond Status | Spend $40,000 per calendar year → Diamond Status |
| Hilton Hotels & Resorts | 12X Hilton Honors Points |
| Other Eligible Purchases | First $100,000 per calendar year → 5X |
| After $100,000 | 3X |
| National Car Rental | Emerald Club Executive Status, enrollment required |
| Foreign Transaction Fee | 0% |
5X Points on the First $100,000 in Other Purchases
One of the most distinctive features of the Hilton Business Card is its simple earning structure.
Each calendar year:
First $100,000 in other eligible purchases → 5X
After $100,000 → 3X
Unlike cards that require spending in specific bonus categories, the 5X rate applies broadly to other eligible purchases.
This makes the card particularly useful for businesses with substantial expenses that do not fall into traditional bonus categories.
Up to $240 in Hilton Credits Each Year
The Hilton Business Card offers up to $240 in Hilton Credits per calendar year.
| Quarter | Hilton Credit |
|---|---|
| Jan–Mar | Up to $60 |
| Apr–Jun | Up to $60 |
| Jul–Sep | Up to $60 |
| Oct–Dec | Up to $60 |
| Total | Up to $240 |
The credit applies to eligible purchases made directly with properties in the Hilton portfolio.
Conclusion
The Hilton Honors American Express Business Card can be summarized around three core benefits:
Gold Status + $240 Hilton Credit + 5X on the First $100K in Other Purchases
For business owners who regularly stay at Hilton properties and have significant business expenses, the combination of Gold Status, Hilton Credits and broad 5X earning can be particularly useful.
Travelers primarily interested in Diamond Status and Free Night Rewards should also compare the Hilton Honors American Express Aspire Card.
Hilton Honors American Express Business Card Historical Welcome Offers
| Period | Welcome Offer | Spending Requirement |
|---|---|---|
| Jul–Sep 2026 | 130K Points | $6,000 / 6 months |
| May–Jul 2026 | 130K Points + $0 introductory annual fee for the first year | $8,000 / 6 months |
| Apr–May 2026 | 130K Points | $6,000 / 6 months |
| Feb–Apr 2026 | 175K Points + 1 FNR | $8,000 / 6 months |
| Jan–Feb 2026 | 130K Points | $6,000 / 6 months |
| Oct 2025–Jan 2026 | 175K Points | $8,000 / 6 months |
| Aug–Oct 2025 | 130K Points | $6,000 / 6 months |
| Jun–Aug 2025 | Up to 175K Points | $10,000 / 6 months |
| Apr–Jun 2025 | 130K Points | $6,000 / 6 months |
| Feb–Apr 2025 | 175K Points | $8,000 / 6 months |
| Jan–Feb 2025 | 130K Points | $6,000 / 6 months |
| Sep 2024–Jan 2025 | 175K Points | $8,000 / 6 months |
| Jun–Sep 2024 | 130K Points | $6,000 / 6 months |
| Mar–Jun 2024 | 175K Points | $8,000 / 6 months |
| Jan–Mar 2024 | 130K Points | $3,000 / 3 months |
👉 Apply for the Hilton Honors American Express Business Card
Hilton Honors Credit Card Comparison
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| Hilton Honors American Express Card | US$0 | Silver Status; Gold after US$20,000 in annual spend; 7X at Hilton | 0% |
| Hilton Honors American Express Surpass® Card | US$150 | Gold Status; up to US$200 annual Hilton Credit; 1 Free Night Reward after US$15,000 in annual spend; Diamond after US$40,000 in annual spend | 0% |
| Hilton Honors American Express Business Card | US$195 | Gold Status; up to US$240 annual Hilton Credit; Diamond after US$40,000 in annual spend; 12X at Hilton | 0% |
| Hilton Honors American Express Aspire Card | US$550 | Diamond Status; 1 Free Night Reward annually; up to US$400 Hilton Resort Credit; up to US$200 Flight Credit; 14X at Hilton | 0% |
Application Rules & Restrictions
When applying for American Express credit cards, keep these key rules in mind:
– Once in a Lifetime: The Welcome Offer on the same Amex Card is generally available only once. Some cards also have Family Language, meaning that previously holding another card in the same family may affect Welcome Offer Eligibility.
– Card Slots: You can generally hold around 5 Amex Credit Cards, with Personal and Business Credit Cards counted together. Charge Cards typically do not count toward this Credit Card limit. Actual limits may vary.
– 1/5 & 2/90 Rule: A commonly observed guideline is generally no more than 1 Amex Credit Card approval within 5 days and 2 approvals within 90 days. This primarily applies to Credit Cards rather than Charge Cards.
– Pop-Up: During the application process, Amex may notify you that you are not eligible for the Welcome Offer. You may still be able to continue the application and receive approval, but without the Welcome Offer.
A simple Amex application strategy is:
Check Welcome Offer Eligibility → Check Family Language → Manage Card Slots → Submit Application Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each American Express Card.
How Can Foreigners Apply for American Express Credit Cards?
For foreigners entering the U.S. credit card market, Amex Global Transfer can be one of the best starting points.
If you already hold an eligible American Express card in another country, your existing Amex cardmember history may help support an application for a U.S. Amex card without first building a long U.S. credit history.
Overseas Amex → Amex Global Transfer → U.S. Amex → Build U.S. Credit History
Actual eligibility and required information are subject to current American Express requirements.
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