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American Express· co-branded with Hilton Honors

Hilton Honors American Express Business Card

Annual fee
$195
Welcome bonus
130,000 Hilton Honors points
Foreign txn fee
0%
Apply at American Express
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Good to know before you apply
  • Automatic Hilton Honors Gold status; spend $40,000 in a calendar year for Diamond.
  • Up to $240 a year in Hilton statement credits ($60 per quarter).
  • Complimentary National Car Rental Emerald Club Executive status.
  • 12X on Hilton; 5X on all other purchases for the first $100,000 each calendar year, then 3X.
  • $0 intro annual fee the first year, then $195. No foreign transaction fees.

The Hilton Honors American Express Business Card pairs automatic Gold status with strong flat-rate earning for businesses: 12X on Hilton and 5X on everything else for the first $100,000 each calendar year (3X after). It adds up to $240 a year in Hilton statement credits and complimentary National Car Rental Emerald Club Executive status. With a $0 intro annual fee the first year (then $195), it is a clean pick for a Hilton-loyal business with heavy general spend.

Welcome bonus

What you get for signing up and hitting the minimum spend.

130,000 Hilton Honors points · $8,000 spend in 180d

See the offer →

130,000 Hilton Honors points after spending $8,000 in the first 180 days.

$0 intro annual fee the first year, then $195. Offer ends 7/29/26.

Earn rates

How many points per dollar across categories.

2 categories · top rate 12x

See the multipliers →

Card-level multipliers. Earn currency: Hilton Honors.

CategoryRateNotes
Hotel12x12X points on eligible Hilton purchases (direct bookings + on-property charges).
All other purchases5x5X points on all other purchases for the first $100,000 each calendar year, then 3X.

Transfer partners

Where you can move your Hilton Honors to airline + hotel programs.

24 partners

Meet the partners →

Points earned with this card transfer to 24 partner programs via Hilton Honors.

ToRatioNotes
Aeromexico Rewards10:2.6Aeromexico Rewards. 25,000-point minimum transfer (25:6.5 published, effective 10:2.6). One of the better Hilton outbound ratios.
Air Canada Aeroplan10:1Air Canada Aeroplan. 10,000-point minimum.
Flying Blue10:1Air France/KLM Flying Blue. 20,000-point minimum.
airasia rewards10:2AirAsia rewards. Better-than-standard 10:2 ratio.
ANA Mileage Club10:1All Nippon Airways (ANA) Mileage Club.
Avios10:1British Airways Club (Avios).
Cathay Pacific Asia Miles10:1Cathay Pacific Asia Miles.
China Eastern Airlines10:1China Eastern Eastern Miles.
Delta SkyMiles10:1Delta SkyMiles.
Emirates Skywards10:1Emirates Skywards.
Ethiopian ShebaMiles10:1Ethiopian Airlines ShebaMiles.
Etihad Guest10:1Etihad Guest.
EVA Air Infinity MileageLands10:1EVA Air Infinity MileageLands.
Hainan Airlines10:4Hainan Airlines Fortune Wings Club. 25,000-point minimum (2.5:1 published, effective 10:4) - the best Hilton outbound ratio of the lot, though Hainan award space is regionally limited.
Japan Airlines Mileage Bank10:1Japan Airlines Mileage Bank.
Malaysia Airlines Enrich10:1.2Malaysia Airlines Enrich. Slightly better than standard.
Qantas Frequent Flyer10:1.5Qantas Frequent Flyer. Better-than-standard 10:1.5.
Qatar Privilege Club10:1Qatar Airways Privilege Club.
Saudia Alfursan10:1Saudia Alfursan.
Singapore KrisFlyer10:1.25Singapore KrisFlyer. Better-than-standard 8:1 ratio (= 10:1.25). 4,000-point minimum (lowest of the lot).
Turkish Miles&Smiles10:1Turkish Miles&Smiles.
United MileagePlus10:1United MileagePlus.
Virgin Atlantic Flying Club10:1.5Virgin Atlantic Flying Club. Better-than-standard 10:1.5.
Velocity Frequent Flyer10:1.5Velocity Frequent Flyer (Virgin Australia). Better-than-standard 10:1.5.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

2 programs

Browse the portals →
American Express Experiences
Amex's entertainment portal --- presales, preferred seating on concerts, sports, and Broadway. Available to U.S. Amex cardholders.
🔒 Access this perk through your cardmember account at the issuer's website or app.
Hilton Honors Experiences
Hilton's auctions and fixed-price events platform. Open to all Hilton Honors members.
🔒 Access this perk through your cardmember account at the issuer's website or app.

Status

Hotel / airline / partner status this card grants.

3 benefits

See the details →
Hilton Honors Gold Status
Automatic Hilton Honors Gold status.
Diamond After $40k Spend
Upgrade to Hilton Honors Diamond status after $40,000 in purchases in a calendar year.
National Emerald Club Executive
Complimentary National Car Rental Emerald Club Executive status.

Statement credits

Bill credits and recurring perks that offset annual fees.

1 benefit

See the details →
Up to $240 Hilton Credit
Up to $60 per quarter (up to $240/year) in statement credits on Hilton purchases.

Other

Other perks on this card.

1 benefit

See the details →
No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the US.

Last verified June 15, 2026.

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