$99
Annual fee
See the card
Card reviewAmerican Express
Updated Sep 11, 2026 · research
American ExpressHilton Honors
Hilton Honors Business Card
Hilton Honors Business Card has an annual fee of $195, which is not waived for the first year. Purchase APR ranges from 19.49% to 28.49%. There is no foreign transaction fee: 0%. The welcome offer is 150,000 points with a $8,000 spend requirement.
Mid TierBusiness
American Express
$195
Annual fee
12x pts at hilton
Top rate
None
Foreign fee
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
Current Welcome Offer
Earn 150,000 points
Spend $8,000 in 180 days
Card Offers
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
public
Earn 150,000 points
Spend $8,000 in 180 days
Earning Rates
At Hilton
12xpoints
per dollar for eligible purchases made directly with hotels and resorts within the Hilton portfolio
hotels and resorts within the Hilton portfolio
12xpoints
eligible purchases made directly with hotels and resorts within the Hilton portfolio
Other Eligible Purchases
5xpoints
on the first $100K in eligible purchases per calendar year
Other Eligible Purchases
3xpoints
3X Points thereafter after first $100,000 per calendar year
Other Eligible Purchases thereafter
3xpoints
3X Points thereafter after first $100,000 per calendar year
Pros & Cons
Pros
- There is no foreign transaction fee: 0%.
- The welcome offer is 150,000 points.
- Included benefits are available.
Cons
- The annual fee is $195 and is not waived for the first year.
Key Takeaways
- Purchase APR ranges from 19.49% to 28.49%.
- The annual fee is $195 and is not waived for the first year.
- There is no foreign transaction fee: 0%.
- The welcome offer is 150,000 points with a $8,000 spend requirement.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $195 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 19.49% - 28.49%
- Cash Advance APR
- 28.74%
- Penalty APR
- 29.99%May apply if you pay late
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
13 benefits including 1 hidden gems
Travel Insurance
Travel Credits
Elite Status
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the purchase APR?
Purchase APR ranges from 19.49% to 28.49%.
Is the annual fee waived for the first year?
The annual fee is $195 and is not waived for the first year.
Is there a foreign transaction fee?
There is no foreign transaction fee: 0%.
What is the welcome offer?
The welcome offer is 150,000 points with a $8,000 spend requirement.
About This Card
The card is for those considering an annual fee of $195 and a foreign transaction fee of 0%.
Hilton Honors American Express Business Card with $195 annual fee. Earns 12X Hilton Honors Bonus Points at Hilton and 5X on other eligible purchases on first $100,000 per calendar year, then 3X. Includes $240 Hilton credit, Gold status, Diamond upgrade on $40,000 spend, and no foreign transaction fees.
There is no foreign transaction fee: 0%.
Ready to Decide?
Apply for the Hilton Honors Business Card
Earn 150,000 points with a $195 annual fee.
Spend $8,000 in 180 days
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
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Hotel program
Hilton Honors
Earns Points
Card Categories
BusinessHotelTravelCo-brandedNo Foreign Transaction Fee
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 11 of 13 benefits rated high confidence
- 13 source citations across benefits
- 0 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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