Highlights

  • Earn up to US$60 in statement credits each quarter on eligible direct Hilton Portfolio purchases, up to US$240 annually.
  • Complimentary Hilton Honors Gold status, with a path to Diamond after US$40,000 in eligible calendar-year spending.
  • Earn 12x Hilton Honors Bonus Points on eligible spending directly with Hilton Portfolio hotels and resorts.
  • No foreign transaction fees, and you can add up to 99 Employee Cards at no annual fee.
Hilton Honors Business Card

Issuer: American Express
Payment network: Amex
Card type: Credit card
Annual fee: US$195; no fee for Additional Cards
Foreign transaction fee: None

You earn Hilton Honors Bonus Points, which are deposited into your Hilton Honors account. Redemptions and use are subject to the Hilton Honors terms and conditions.

Welcome Offer

【September 10, 2026 update】 A record-high 150,000 Hilton Honors Bonus Points + one Free Night Reward.

  • Spend US$8,000 in eligible purchases in the first six months of Card Membership to earn 150,000 Hilton Honors Bonus Points and one Free Night Reward. Basic and Additional Card spending count toward the threshold, but the reward is issued to the Basic Card Member only.
  • Annual fees and interest, cash advances, traveller’s cheques, prepaid-card purchases or reloads, gift cards, person-to-person payments, and other cash equivalents do not count toward the requirement. You may be ineligible for the welcome offer if you have or previously held this Card or an earlier version, or based on other Amex card and account-history factors. Amex will tell an ineligible applicant before processing the application, so they can withdraw it.
  • This offer ends at 11:59 p.m. MST on January 13, 2027. Different advertisements may show different offers.

Recommended application link 🔗 (select Business Cards” at the top of the page to find this card)

Past welcome offers

【September 19, 2024 update】 175,000 points (apply by January 8, 2025).

  • Spend US$8,000 in the first six months.

Everyday Spending

12x: Earn 12x on Hilton Purchases made directly with Hilton Portfolio hotels and resorts. Advance bookings must be made through Hilton-operated booking channels. Hotel dining, spa, and similar charges can also earn the bonus when they are charged to your room and paid with this card at checkout. Third-party OTA bookings and purchases do not qualify.

5x: Earn 5x on the first US$100,000 in eligible non-Hilton Purchases each calendar year.

3x: Earn 3x on eligible non-Hilton Purchases after the US$100,000 calendar-year threshold. Annual fees and interest, cash advances, traveller’s cheques, prepaid-card purchases or reloads, gift cards, person-to-person payments, and other cash equivalents are not eligible purchases. Merchant-category coding, third-party sales or payment processing, and some digital-wallet transactions may also prevent you from earning bonus points.

Perks & Insurance

  • Up to US$240 Hilton Statement Credits (US$240 Hilton Credit)

The Basic Card account can receive up to US$60 in statement credits per calendar quarter (January–March, April–June, July–September, and October–December), up to US$240 annually. Bookings must be made directly through Hilton-operated channels; third-party OTA bookings do not qualify. Hotel dining, spa, and other incidental charges must be charged to the room and paid with the card at checkout. Basic and Additional Card spending share the account-wide annual limit, and credits usually appear 8–12 weeks after the transaction posts. Purchases that are not correctly identified as direct Hilton spending, as well as digital-wallet or third-party transactions, may not receive the credit.

  • Complimentary Hilton Honors Gold Status (Hilton Honors Complimentary Gold Status)

Available to the Basic Card Member only. It can take up to 12 weeks after account opening for Gold status to be added to your Hilton Honors account. If you cancel the card, the complimentary Gold status ends too; elite benefits vary by property and remain subject to availability.

  • Upgrade to Hilton Honors Diamond through spending (Hilton Honors Upgrade to Diamond Status)

Spend US$40,000 in eligible purchases in a calendar year, January 1 to December 31, to upgrade to Diamond. Additional Card spending counts, but only the Basic Card Member receives the upgrade. It takes about 10–12 weeks after qualifying and lasts through the qualification year and the following calendar year. You need to meet the threshold again the next year, or qualify under regular Hilton Honors rules, to retain status.

  • Complimentary National Car Rental Emerald Club Executive Status (Complimentary National Car Rental® Emerald Club Executive® Status)

The Basic Card Member must enrol through the online Amex account. Members already enrolled in National Emerald Club also need to link this card using the link in their Amex account to upgrade. Rentals remain subject to National’s age, credit, advance-reservation, availability, and blackout-date terms.

  • Employee Cards

You can add up to 99 Employee Cards per account with no annual fee. Eligible Additional Card spending earns Hilton Honors Bonus Points under the same rules as the Basic Card, and the Basic Card Member remains responsible for all account charges.

  • Global Assist® Hotline

When you travel more than 100 miles from home, this provides 24-hour emergency coordination and assistance, including medical and legal referrals, emergency cash wires, and missing-luggage help. Amex does not charge separately for coordination, but you remain responsible for third-party service-provider costs.

  • Amex Offers

Enrol in an offer through your online Amex account or the Amex App before making the qualifying purchase. Whether you receive an offer, which merchants participate, and the spending requirements and expiry date all depend on that offer’s terms.

Official insurance certificate🔗

  • Car Rental Loss and Damage Insurance

Use the card to reserve and pay for the entire rental, decline the full CDW and similar protection at the counter, and have the eligible renter sign the rental agreement. Each rental agreement can cover damage to or theft of an eligible rental vehicle for up to 30 consecutive days, with a maximum benefit of US$50,000. Where allowed under the terms, it can also include loss-of-use, appraisal, towing, storage, and certain legally required charges. This is secondary coverage and does not include liability, personal-injury, or uninsured-motorist coverage. Rentals in Australia, Italy, New Zealand, and OFAC-sanctioned countries are excluded. So are peer-to-peer rentals, trucks and certain vans, limousines, motorcycles, off-road vehicles, commercial or hire use, rentals longer than 30 days, unauthorised drivers, driving while intoxicated, off-road use, and damage or theft when the vehicle is left unlocked. Notify Amex within 30 days of the loss, or as soon as reasonably possible, then submit proof of loss within 60 days after receiving instructions or a claim form.

  • Baggage Insurance Plan

Before a loss, charge the entire fare for the Common Carrier trip to the card. American Express Loyalty Programs or Pay with Points can qualify, but fare paid with other programmes, such as airline frequent-flyer miles, does not. A covered trip can last up to 365 consecutive days; the cardholder, spouse or domestic partner, and dependent children under 23 can be covered. For lost, stolen, or damaged baggage, the maximum is US$1,250 per covered person for carry-on baggage and direct transit to or from the carrier terminal, and US$500 per covered person for checked baggage. High-risk items are capped at US$250 per person per trip; New York cardholders have a US$10,000 aggregate maximum for all covered people per trip. This is secondary coverage, paid after carrier or other coverage. Normal wear, freight, cash, documents, tickets, medication, and most high-risk items are excluded. Notify Amex within 30 days of the loss, or as soon as reasonably possible, then submit proof of loss within 60 days after receiving instructions or a claim form. Checked-baggage claims also require a report to the carrier and its outcome.

  • Purchase Protection

Make one original charge with the card for a tangible item bought for personal, business, or gift use, and accidental damage or theft within 90 days of purchase can be covered. The maximum is US$1,000 per covered purchase, US$50,000 per eligible card per calendar year, and US$500 per natural-disaster event. This is secondary coverage, paying only what remains after compensation from other insurance, the retailer, wholesaler, or manufacturer; it can cover another plan’s deductible without exceeding the loss. Normal wear, product defects, mysterious disappearance, goods in a third party’s or carrier’s care, inadequately safeguarded items, consumables, gift cards or cash, used goods, rentals or borrowed items, motorised devices, software, and inventory for resale are excluded. Notify Amex within 30 days of an incident, or as soon as reasonably possible, and submit proof of loss within 60 days after receiving instructions. Theft or intentional damage must first be reported to the relevant authority.

  • Extended Warranty

Make one original charge with the card for an eligible tangible item, and an original manufacturer warranty valid in the United States, the District of Columbia, or a U.S. territory can be extended by up to one year. The original warranty and purchased service contract combined cannot exceed five years. Coverage starts after the later of the original manufacturer warranty and service contract, and follows the original warranty’s scope. The maximum is US$10,000 per covered purchase and US$50,000 per eligible card per calendar year. Physical damage, unless the original warranty covers it, goods with combined warranty coverage longer than five years, consumables, used goods, rentals, motorised devices, software, inventory for resale, and repairs by unauthorised shops or with non-approved parts are excluded. Notify Amex within 30 days of a breakdown, or as soon as reasonably possible, and submit proof of loss within 60 days after receiving instructions.