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American Express · creditBusiness
Last updated
Is the Hilton Business worth keeping when the fee hits?
Welcome offer — 130,000 Hilton Honors points after $8,000 spend in 6 months (limited-time, ends 7/29/2026) Verified by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 12× | Hilton portfolio (direct with hotels/resorts) Verified by source |
|---|---|
| 5× | Flights booked direct or via Amex Travel — On the first $100,000 in purchases per calendar year, then 3x Verified by source |
| 5× | Car rentals booked direct — On the first $100,000 in purchases per calendar year, then 3x Verified by source |
| 5× | U.S. gas stations — On the first $100,000 in purchases per calendar year, then 3x Verified by source |
| 5× | U.S. restaurants — On the first $100,000 in purchases per calendar year, then 3x Verified by source |
| 5× | U.S. shipping & U.S. wireless providers — On the first $100,000 in purchases per calendar year, then 3x Verified by source |
| 3× | All other eligible purchases Verified by source |
| Up to $240 Hilton credit | $240/yr · quarterly Verified by source |
|---|---|
| Free Night Reward | $0/yr · annual · at $15,000 spend Verified by source |
| Second Free Night Reward | $0/yr · annual · at $60,000 spend Verified by source |
No lounge access.
| Hilton Honors Gold status | Complimentary Gold status: 80% bonus points, room upgrades when available, fifth award night free Verified by source |
|---|---|
| Hilton Honors Diamond status (via spend) | Upgrade to top-tier Diamond status after $40,000 in purchases in a calendar year Verified by source |
| Rental car CDW | Car rental loss & damage insurance (secondary) Inferred by source |
|---|---|
| Baggage | Baggage insurance plan Inferred by source |
Using Hilton Business at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Hilton Honors American Express Business Card has a $195 annual fee.
Using its non-spend-gated credits fully, the Hilton Honors American Express Business Card returns about $240 in value against its $195 annual fee — a net of +$45 per year. It can pay for itself if you actually use the credits.
The Hilton Honors American Express Business Card earns 12x on hilton portfolio (direct with hotels/resorts), 5x on flights booked direct or via amex travel, 5x on car rentals booked direct.
No — the Hilton Honors American Express Business Card does not include airport lounge access.
No — the Hilton Honors American Express Business Card has no foreign transaction fee, so it's a good card to use abroad.
130,000 Hilton Honors points after $8,000 spend in 6 months (limited-time, ends 7/29/2026). Welcome offers change frequently — confirm the current one on the issuer's page before applying.