Hilton Honors American Express Business Card

American Express · American Express · business · Hilton Honors

American Express Hilton Honors Business AMEX

Seeded from model knowledge (mid-2026), not yet web-verified. Check issuer terms before relying on rates, credits, caps, or protections. Edit data.
Review the linked sources below for offer details and eligibility.

$195

annual fee · Some welcome offers waive the first-year fee (e.g. the May-Jul 2026 offer); the current public offer does not.

foreign txn fee

$144

credits/yr realistic ($240 face)

$780

sign-up bonus ≈ 130000 points after $6,000/6mo

Earning

Hilton (Hotels (booked direct)) 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio	12x	7.2%
Everything else 5X on other eligible purchases on the first $100,000 in purchases per calendar year, 3X thereafter up to $100,000/year, then 3x	5x	3%

Right column: value per $ at travel valuation (0.6¢/pt).

Credits

$60 Hilton credit /quarter · medium to use
Up to $60 in statement credits each calendar quarter (up to $240 per year) for purchases made directly with a property in the Hilton portfolio

Benefits

No foreign transaction fees
Hilton Honors Gold (Diamond after $40,000 spend in a calendar year) — Complimentary Gold status; spend $40,000 on eligible purchases in a calendar year to earn Diamond status through the end of the next calendar year.
National Car Rental Emerald Club Executive status — Complimentary Emerald Club Executive status; enrollment required.
Secondary car rental loss and damage insurance — Up to $50,000 per rental agreement, rentals up to 30 consecutive days; secondary to other coverage (Amex benefit guide 371-396).
Baggage Insurance Plan — Up to $1,250 carry-on / $500 checked per covered person for lost or damaged baggage on a common carrier (Amex benefit guide 311-328).

Protections

purchase protection	90 days, up to $1,000 per item / $50,000 per card per calendar year ($500 per natural-disaster event)
extended warranty	+1 year on manufacturer warranties of 5 years or less, up to $10,000 per item / $50,000 per year
lost luggage	Baggage Insurance Plan: up to $1,250 carry-on / $500 checked per person ($250 high-risk items)
rental car	secondary

Notes

Refreshed 2024-03-28: annual fee $95 -> $195; earn changed from 6x select business/travel categories + 3x other to 5x on the first $100k per calendar year then 3x; added up to $240/yr in Hilton credits ($60 per quarter) and complimentary National Emerald Club Executive status. Priority Pass Select (10 visits) and the Free Night Reward ($15k / $60k calendar-year spend) were removed - Free Night earning ended 2024-06-30. In July 2026 Amex surveyed cardholders about possible changes (annual fee up to $345, Hilton credit up to $320, a business credit, free nights at $15k/$60k); nothing announced as of 2026-09-08. Fee, earn rates, credits and status confirmed on review sites (Amex product page is a JS template); protections confirmed against Amex benefit guides. Web-verified 2026-09-08 against https://onemileatatime.com/guides/hilton-business-card/ , https://frequentmiler.com/amxhiltonbiz/ , https://frequentmiler.com/huge-changes-to-amex-hilton-honors-business-card-no-more-free-night-higher-annual-fee-and-more/ , https://www.doctorofcredit.com/american-express-surveys-hilton-business-card-changes/ and the Amex benefit guides linked from https://www.americanexpress.com/us/credit-cards/features-benefits/policies/car-rental-loss-and-damage-insurance-terms.html .

Verified 2026-09-08 · confidence medium · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11