Hilton Honors Business is offering 175,000 points after spending $8000 in 6 months with a $195 annual fee.. That's up 45,000 points over their standard offer of 130,000 points after spending $3000 in 6 months. Offer expires 04/29/25.
Hilton Honors Business Credit Card Review
Key Takeaways
This card can be a good choice for Hilton loyalists, those nearing their 5/24 limit, and anyone hoping to redeem a free night (or more) at a Hilton property using the welcome offer points. However, it can be deceptive — though that’s true of many Hilton co-branded cards. Hilton point redemptions tend to require more points than other hotel chains. The standard welcome offer is 130,000 points, which might sound high, but we value Hilton points at about 0.6 cents each, making the welcome offer worth approximately $780. That still seems decent, but in cities or during peak travel season, those 130,000 points may only cover one or two nights. If you’re traveling to a smaller city or during off-peak times, you’ll get more out of these points. However, they’re generally not as valuable as points from a hotel chain like Hyatt.
Why This Card Could Be Right For You
The Hilton Honors American Express Business Card offers up to $240 in statement credits each year on purchases made directly with Hilton properties. At first glance, this benefit alone may justify the $195 annual fee. However, these credits are split into $60 increments each quarter, so if you don’t stay at Hilton at least once every quarter, you will need to get creative to use them.
Here are some highlights of this card’s features:
- Complimentary Hilton Honors Gold status (Hilton’s second-highest tier)
- National Car Rental Emerald Club Executive status
- Fifth night free benefit when you book an award stay of five or more nights
Another noteworthy perk is the 5x points multiplier on all purchases, up to $100,000 annually. This can help you build your points balance faster as you work toward the welcome offer, which requires spending $8,000 in the first six months.
When The Usual Advice Doesn't Apply
Here are some reasons this card may not be right for you:
- It doesn’t offer a free night certificate each year.
- The benefits are less valuable if you don’t stay at Hilton properties regularly.
- If you only want the welcome offer, the 5x points benefit isn’t particularly valuable beyond meeting the spending requirement.
- You won’t benefit from Hilton or National Car Rental statuses.
What to Know About Hilton Honors
Quality hotels but points go fast with high per night point cost.
- Amex’s one-card-per-lifetime rule makes it difficult to accrue Hilton points using Hilton cards exclusively.
- Hilton is part of the Amex partner reward system and at 2:1 is a decent transfer value.
- Hilton has high quality hotels and excellent coverage both in the US and internationally.
- We recommend this system as more of a filler. Either as a specific destination or an upscale IHG when no Hyatt stays are available.
How The Hilton Honors Business Credit Card Fits In The Hilton Honors Ecosystem
The Hilton Honors Amex Business Card is the only Hilton business option that won’t count against your 5/24 status. Three personal Hilton Honors cards are also available:
- Hilton Honors (No Annual Fee): Few perks and a lower 80,000-point sign-up bonus (requires $1,000 in spending).
- Hilton Honors Surpass: $150 annual fee, a 130,000-point sign-up bonus (requires $2,000 in spending over six months), complimentary Hilton Honors Gold status, and $200 in statement credits ($50 each quarter).
- Hilton Honors Aspire: $550 annual fee, a 150,000-point sign-up bonus (requires $4,000 in purchases), complimentary Diamond status, $400 in Hilton credits ($200 twice per year), $200 in flight credits ($50 each quarter), and a $199 Clear Plus credit.
Choose based on how often you stay at Hilton properties and which benefits matter most to you.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 175,000 | $8,000 | 0.6 ¢ | $50 | $195 |
$953
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Hilton Stays & Perks | Room Upgrades,Free breakfast, Late Checkout, 12X points on Hilton bookings, 6X on many other purchases, 10 Lounge passes | No CR , No 2nd Biz , Amex 4 Credit , Amex 3/90 , No 5/24 , Amex 1/10 |
Spend Categories
All Other + »
5X points
3¢ Per Dollar Spent
Hotels = »
12X points
7.2¢ Per Dollar Spent
Card Benefits
Car Rental Insurance »
Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .
Complimentary National Car Rental Executive Club Emerald Status in the USA and Canada .
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Statement Credits »
$60 in statement credits each quarter at Hilton properties
$60 in statement credits each quarter at Hilton properties
Hotel Perks »
Automatic Gold status includes: free breakfast, late checkout, free WiFi, bottled water, room upgrades (in same category) & 5th night free on reward stays.
Automatic Gold status includes: free breakfast, late checkout, free WiFi, bottled water, room upgrades (in same category) & 5th night free on reward stays.
Purchase Protection »
You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.
You're protected for up to 90 days, $1,000 per occurrence, and $50,000 per calendar year.
Extended Warranty »
Get up to 1 additional year on warranties of 5 years or less, up to $10,000 per purchase.
Get up to 1 additional year on warranties of 5 years or less, up to $10,000 per purchase.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System Hilton Honors
Transfers In From
Amex Member Rewards
1:2 86% value retained
Hilton Honors Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
You might not be allowed to get a second card for a separate business (EIN)
Amex will decline your application if you already have 4 credit cards (not charge) and apply for a fifth
You'll be declined if you apply for a fourth Amex card in 90 days
Card approval not subject to 5-personal-cards-in-24-months rule
Amex allows only 1 bonus per specific card per lifetime (yours or that version of the card)
Ranking of Cards Offering Hilton Honors
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
2nd
Rank
4th
Honorable Mention
Rank
5th
Honorable Mention
Breaking Points
February 28, 2025
Hilton Honor Business
May 27, 2024
Mini Points - June 2024
- Citi Strata Premier Mastercard - 75,000 bonus points, spend $4000 in 3 months, $95/annual fee.
- Marriott Bonvoy Business American Express card - 5 Free Nights, spend $8000 in 6 months, $125/annual fee.
- Hilton Honors Surpass American Express card - 130,000 points + 1 Free Night, spend $3000 in 6 months, $150/annual fee.
- Hilton Honors Business American Express card - 175,000 points, spend $8000 in 6 months, $195/annual fee.
- Hilton Honors American Express Card - 70,000 points, spend $2000 in 6 months, No annual fee.
- Hilton Honors Aspire American Express Card - 175,000 points, spend $6000 in 6 months, $550/annual fee.
April 2, 2024
Mini Points - April 2024
- IHG Business Chase Premier Card has an awesome offer of 140,000 points after spending $4000 in 3 months with a $99 annual fee.
- American Express Hilton Business card to increase annual fee from $95 - $195 + no more 6x categories or priority pass visits.
May 15, 2023
Mini Points - May 2023
- Amex - Hilton Honors Business card - Limited time offer - 150,000 points + Free Night after spending $4000 in 3 months, $95 Annual fee.
- Amex - Hilton Honors Surpass card - Limited time offer - 130,000 points + Free Night after spending $2000 in 3 months, $95 Annual fee.
- Amex -Hilton Honors card - Limited time offer - 70,000 points + Free Night after spending $1000 in 3 months, $0 Annual fee.
- Barclays - Wyndham Earner Business card - Up to 75,000 points after spending $3000 in 3 months & another $10,000 in 12 months, $95 Annual fee.
- Barclays - Wyndham Earner Plus card - 75,000 points after spending $1000 in 3 months, $75 Annual fee.
- Barclays - Wyndham Earner card - 45,000 points after spending $1000 in 3 months, $0 Annual fee.