What credit score do I need for the Hilton Honors Business?

A good-to-excellent credit score is generally recommended.

Is the Hilton Honors Business's annual fee worth it?

It charges $195 a year; weigh that against its credits, perks and your rewards.

How do I calculate rewards on the Hilton Honors Business?

Use WalletFlo's reward calculator at /tools/rewards-calc/hilton-honors-business to model net value on your spending.

Hilton Honors Business Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

12x

Dining

Gas

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Hilton Honors Business from Amex carries a $195 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $654.85 in rewards plus $725.00 in credits and perks — $1,184.85 net per year before welcome bonuses.

How the points work

12X at Hilton hotels and resorts

6X on flights booked directly with airlines or Amex Travel

6X on car rentals booked directly from select car rental companies

6X at U.S. restaurants

6X at U.S. gas stations

6X on wireless telephone services purchased directly from U.S. service provider

6X on U.S. purchases for shipping

3X on everthing else

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate

Everything elseHilton
12×
Everything elseAirfare
6×
Everything elseCar rentals
6×
DiningU.S. Restaurants
6×
GasU.S. Gas Stations
6×
Everything elseU.S. Wireless Telephone Services
6×
Everything elseU.S. Shipping
6×
Everything elseAll Purchases
3×

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

No statement credits listed for this card

Benefits

Hilton Gold
Get Hilton Gold benefits like free breakfast for two, upgrades (subject to availability), late check-out, 80% bonus on base points, and a 5th night free.
Free Night (w/ spend)$175/yr
Spend $15,000 in a calendar year and earn a Free Weekend Night Reward.
Free Night (earned)$175/yr
Earned weekend night reward that can be used on even the most expensive Hilton properties.
Free Night #2 (w/ spend)$175/yr
Spend $60,000 in a calendar year and earn a (second) Free Weekend Night Reward.
Free Night #2 (earned)$175/yr
Earned weekend night reward that can be used on even the most expensive Hilton properties.
Priority Pass$25/yr
Get 10 free lounge visits each Priority Pass Membership year. Enrollment required.
Diamond Status (w/ spend)
Receive Diamond status after you spend $40,000 in a calendar year.
Diamond Status
Earned Diamond Status. Valid for the remainder of the calendar year this perk was earned and the subquential year through December. Get benefits like a 100% bonus on base points, free breakfast for two, lounge access, upgrades, premium internet, and a 48-hour room guarantee.
ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
Amex Offers
Promotions and discounts offered exclusively to card holders.
Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$195

Stated credits+$0

Perks (est.)+$725

Net after credits & perks$530

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo calculator tools

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Is the Annual Fee Worth it?

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Rewards Calculator

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$1,185/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $195 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.