American Express
Hilton Honors Business Card
Hilton Honors Business Card costs $195 annual fee and earns up to 12× on travel booked direct. It also carries $50 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Hilton Honors Business Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $195 annual fee
- Best earn rate
- 12× travel booked direct
- Points value
- 0.5¢ a point
- Welcome bonus
- 150,000 points
- About $875 if you redeem at 0.5¢ a point, and only if you clear the spending requirement.
- Credits a year
- $50
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Hilton Honors Business Card earns
Hotels and rental cars through the issuer's travel site
12×
Only through the issuer's portal
Flights and hotels booked direct
12×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 12× | Only through the issuer's portal |
| Flights and hotels booked direct | 12× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 5×. Confirm current terms with the issuer before you apply.
Is the Hilton Honors Business Card right for you?
Enter a typical month. You will see what the Hilton Honors Business Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
IHG One Rewards Business Top for your numbers
10× travel booked direct, 5× dining; 1× everything else. $200 annual fee.
Rewards $702 · Fee −$200
+$502
12× travel booked direct; 1× everything else. $195 annual fee.
Rewards $690 · Fee −$195
+$495
4× travel booked direct, 2× dining; 1× everything else. $199 annual fee.
Rewards $645 · Fee −$199
+$446
+$307
How we estimate
- Every rate on this page comes from the card catalog. Hilton Honors Business Card pays 5× on spending outside the bonus categories listed above, and up to 12× on travel booked direct.
- We value this card's points at 0.5¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"hilton-honors-business","name":"Hilton Honors Business Card","fee":195,"cpp":0.005,"base":5,"earn":[{"inputs":["travel"],"rate":12}],"credits":50},{"key":"chase-ink-business-premier","name":"Chase Ink Business Premier","fee":195,"cpp":0.01,"base":2},{"key":"world-of-hyatt-business","name":"World of Hyatt Business Card","fee":199,"cpp":0.017,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["gas"],"rate":2},{"inputs":["transit"],"rate":2},{"inputs":["travel"],"rate":4}]},{"key":"ihg-one-rewards-business","name":"IHG One Rewards Business","fee":200,"cpp":0.006999999999999999,"base":3,"earn":[{"inputs":["dining"],"rate":5},{"inputs":["gas"],"rate":5},{"inputs":["travel"],"rate":10}],"credits":200}]}What comes with it
Welcome bonus
150,000 points to 175,000 points
About $875 if you redeem at 0.5¢ a point, and only if you clear the spending requirement.
Points and partners
Hilton Honors Points
No
Hotels
Hilton
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Priority Pass lounge visits (10 a year) Counted at $50 because most people do not use the full $350. Ten lounge visits a year, worth about $35 each at walk-in prices. Most people use one or two, so they count as $50, and not at all if another card in the wallet already has Priority Pass. | $350 | $50 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked americanexpress.com 2026-10-05. The annual fee rose from $95 to $195 and the earn structure changed: 12x Hilton hotels, then 5x on every other eligible purchase on the first $100,000 in a calendar year and 3x after that, so the old 5x dining, gas, shipping and wireless categories are gone as distinct bonuses. $240 Hilton credit paid as $60 a quarter. The Free Night Rewards after $15,000 and $60,000 of spend and the 10 Priority Pass visits the row carried are no longer on Amex's page; the $15,000 Free Night is now a Surpass benefit.
FAQ
The Hilton Honors Business Card charges $195 a year. Earning back $195 means about $464 a month on travel booked direct, where it earns 3.5000000000000004¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
12× on travel booked direct, and 5× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $195 means about $464 a month on travel booked direct, where it earns 3.5000000000000004¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $50 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 150,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 0.5¢ a point that is about $875, before you count the annual fee and whether you would clear the spending requirement for it.
No. The Hilton Honors Business Card earns Hilton Honors Points that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 0.5¢ a point. Hotels: Hilton.
No. The Hilton Honors Business Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.