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Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $8,000 in purchases on the Hilton Honors Business Card in the first six months of Card Membership. Offer ends 1/13/2027.
Full benefits & perks
- Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Hilton Honors Bonus Points on other eligible purchases made using the Hilton Honors Business Card on the first $100,000 in eligible purchases each calendar year, 3X Points on eligible purchases thereafter.
- Earn up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn 80% Points earning Bonus on Stays with Hilton Honors™ Gold Status.
- You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card during a calendar year reach $40,000 or more.
Terms apply. Enrollment is required for certain benefits.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughts
This is a great option if you don't want the card counting toward your 5/24 number. The annual fee is a bit higher than the Surpass, but the quarterly Hilton credit is also higher to help offset it. The welcome offer is good, so it's a solid card to have in your wallet.
How to use your points
Hilton Honors points are best used for free hotel nights:
- Use annual free night certificates at any Hilton property — learn all about Hilton free night certificates
- Use Points & Money awards to stretch your stash further
A smart pick for small business owners who want Hilton perks without the 5/24 hit.
- Doesn't count against Chase's 5/24 rule, which is a big deal if you're trying to keep that number low
- The $240 in annual Hilton credits easily offsets the $195 annual fee
- A slight step up from the Surpass in fee but also in value

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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.