Hilton Honors Business
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Hilton Honors Business from American Express earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. New applicants may see: Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $195
Worth a look for dining spend if you need a business card and can use Hilton Honors the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 6x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Hilton Honors Business earn in each category?
Dining is the strongest category at 3% effective value (6x points at about 0.5 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Hilton Honors Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 3% effective value (6x points at about 0.5 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Hilton Honors Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 6x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 1.5% |
| Gas Gas stations and fuel | 6x points | 3% |
| Travel Flights, hotels, transit | 6x points | 3% |
| Other General everyday spend | 3x points | 1.5% |
Madeen values Hilton Honors at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Hilton Honors Business reward caps and conditions?
The Hilton Honors Business has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 6X points per dollar on flights booked directly with airlines or with Amex Travel
- 6X points per dollar on purchases at U.S. restaurants
- 6X points per dollar on purchases at U.S. gas stations
Who should get the Hilton Honors Business?
The Hilton Honors Business fits spenders who put meaningful volume in dining and can earn 6x points. Best for spenders who put meaningful volume in dining and can earn 6x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Hilton Honors Business fits spenders who put meaningful volume in dining and can earn 6x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 6x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for dining spend if you need a business card and can use Hilton Honors the way you redeem today.
Pros
- Strongest Madeen category is dining at about 3% effective (6x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $195 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Hilton Honors value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Hilton Honors Business welcome bonus?
In Madeen's catalog snapshot, the Hilton Honors Business welcome offer is Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 130k Hilton Honors (~$650 estimated)
- Terms (catalog snapshot)
- Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points First-year annual fee waived.
- Minimum spend
- $8,000
- Window
- 6Months
Does the Hilton Honors Business have an annual fee?
The Hilton Honors Business has an annual fee of $195 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $195
- Foreign transaction fee
- None
What travel perks does the Hilton Honors Business include?
The Hilton Honors Business includes Lounge access, Baggage Insurance Plan, Car Rental Loss and Damage Insurance, Complimentary Hilton Honors Gold Status in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
10 Complimentary Priority Pass Visits - Whether you just want to relax or get work done, you’ll have 10 complimentary visits to a selection of over 1,200 airport lounges each year once enrolled in Priority Pass™ Select Membership.
What benefits come with the Hilton Honors Business?
Extended Warranty
$10,000/yrWith Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Purchase Protection
$10,000/yrWhen an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Baggage Insurance Plan
$2,000/yrTravel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip.
Priority Pass™ Select - 10 Complimentary Visits
$99/yrWhether you just want to relax or get work done, you'll have 10 complimentary visits to a selection of over 1,200 airport lounges each year once enrolled in Priority Pass Select Membership.
Car Rental Loss and Damage Insurance
$40/yrAs a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Free Night Reward
$25/yrEarn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year.
Global Assist® Hotline
$25/yrWhenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.
Second Free Night Reward
$25/yrEarn a second Night Reward from Hilton Honors after you spend $60,000 on eligible purchases on your Card in a calendar year.
Complimentary Hilton Honors Gold Status
Enjoy even more perks as a Hilton Honors Gold member, like an 80% Bonus on Base Points you earn on every stay, space-available room upgrades at select properties, and more.
Upgrade to Hilton Honors™ Diamond Status
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
Related encyclopedia topics
What annual spend bonuses does the Hilton Honors Business offer?
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year. Earn a second Night Reward from Hilton Honors after you spend $60,000 on eligible purchases on your Card in a calendar year.
- Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
Common questions about the Hilton Honors Business
Where do cardholders spend most with the Hilton Honors Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (6x), fast food (6x), other food and drink (6x) for the Hilton Honors Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is a Hilton business card worth it?
The Hilton Honors Business from American Express earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. New applicants may see: Enjoy a $0 Intro Annual Fee for the First Year, then $195 + Earn 130,000 Hilton Honors Bonus Points.
How much is 42,000 Hilton points worth?
Dining is the strongest Madeen category for the Hilton Honors Business at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Hilton Honors Business have an annual fee?
The Hilton Honors Business carries an annual fee of $195 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Hilton Honors Business?
Dining is the strongest Madeen category for the Hilton Honors Business at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Hilton Honors Business charge foreign transaction fees?
The Hilton Honors Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Hilton Honors Business compare to similar cards?
Compare the Hilton Honors Business against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Marriott Bonvoy Bevy™ American Express (2.8% on Dining, $250 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Hilton Honors Business This card | Dining | 3% | $195 |
| Dining | 3.5% | $550 | |
| Dining | 3% | $150 | |
American Express | Dining | 2.8% | $250 |
American Express | Dining | 2.8% | $125 |
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure