Amex
Hilton Honors Business
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Card review
Hilton Honors Business
Amex
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
See issuer
Est. net value
$1,209/yr
Credit score
Varies
Top earn rate
12x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Hilton Honors Business from Amex carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $578.88 in rewards plus $725.00 in credits and perks — $1,208.88 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.
| Category | Rate |
|---|---|
| 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.
Benefits & perks
- 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.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
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
- −$95
- Stated credits
- +$0
- Perks (est.)
- +$725
- Net after credits & perks
- $630
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.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
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Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.