Hilton Honors Business

Dining is the strongest category at 3% effective value (6x points at about 0.5 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 3% effective value (6x points at about 0.5 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.

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.

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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 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

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 66% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The Hilton Honors Business has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Earn 130,000 Hilton Honors Bonus Points after you make purchases on the Card totaling $6,000 or more in the first 6 months of Card Membership starting from the date your account was opened.. Confirm current issuer terms before applying.

Annual fee

$95

Foreign transaction fee

None

Signup bonus

Earn 130,000 Hilton Honors Bonus Points after you make purchases on the Card totaling $6,000 or more in the first 6 months of Card Membership starting from the date your account was opened.

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 access10 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.

• Baggage Insurance Plan

  Travel 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.

• Car Rental Loss and Damage Insurance

  As 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.

• 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.

• Extended Warranty

  With 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.

• Free Night Reward

  Earn 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

  Whenever 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.

• Priority Pass™ Select - 10 Complimentary 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.

• Purchase Protection

  When 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.

• 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.

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.

• Dining

• Hilton Honors American Express AspireAmerican Express · 3.5% on dining
• Hilton Honors American Express Surpass®American Express · 3% on dining
• Marriott Bonvoy Bevy™ American Express®American Express · 2.8% on dining
• Marriott Bonvoy Business®American Express · 2.8% on dining

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