American Express
Hilton Honors American Express Business
Annual Fee
$195
Sign-up Bonus
130,000 pts
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 12x on hotels (catalog median is 2x)
- 6x on dining (catalog median is 2x)
- 6x on fast food (catalog median is 2x)
- The $195 annual fee needs strong category spending to clear
Is the $195 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$363/yr
$558 rewards - $195 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$420/yr
$615 rewards - $195 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$576/yr
$771 rewards - $195 fee
Rewards by Category
Dining
6x
Grocery
6x
Gas
6x
Flights
3x
Hotels
12x
Other Travel
3x
Online Shopping
3x
Rideshare
3x
Streaming
3x
Amazon
3x
Other
3x
Apple
3x
Cell Phone
3x
Fast Food
6x
Home Utilities
3x
Internet
3x
Walmart
3x
Point value: 0.5 cents per point
The Fine Print That Changes the Math
12x at Hilton, 6x at US restaurants, US gas stations, and US supermarkets. 3x everywhere else. Free weekend night after $15k spend. Gold status.
Hilton Honors American Express Business FAQ
What is the Hilton Honors American Express Business annual fee?
The Hilton Honors American Express Business has a $195 annual fee.
What is the Hilton Honors American Express Business signup bonus?
130,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Hilton Honors American Express Business?
12x on hotels, 6x on dining, 6x on fast food. Everything else earns 3x.
Is the Hilton Honors American Express Business worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $363/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Hilton Honors American Express Business Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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