Hilton Honors Business
Issued by American Express
Rates verified August 2026
Welcome Bonus
Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points
Rewards Rate
3x points · up to 12x on Hilton Hotels & Resorts
Annual Fee
$195
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
3x points · up to 12x on Hilton Hotels & Resorts
Welcome Offer
Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points
Annual Fee
$195 (waived first year)
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Airfare, Car Rentals, Dining, Gas Stations
Why We Recommend This Card
12.0% on Hilton Hotels & Resorts
6.0% on Airfare
6.0% on Car Rentals
Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points
Baggage Insurance Plan
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
Car Rental Loss and Damage Insurance
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Complimentary Hilton Honors Gold Status
Enjoy even more perks as a Hilton Honors Gold member, like an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more.
Extended Warranty
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Free Night Reward
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year.
Global Assist® Hotline
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
Priority Pass™ Select - 10 Complimentary Visits
Whether you just want to relax or get work done, you'll have 10 complimentary visits to a selection of over 1,200 airport lounges each year once enrolled in Priority Pass Select Membership.
Second Free Night Reward
Earn a second Night Reward from Hilton Honors after you spend $60,000 on eligible purchases on your Card in a calendar year.
Upgrade to Hilton Honors™ Diamond Status
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
Network benefits (American Express) — 1 standard protection
Purchase Protection
When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
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