Hilton Honors American Express Business

The draw here is the base rate: 5x Hilton Honors points on everything for the first $100,000 of purchases each calendar year, dropping to 3x after that, on top of 12x at Hilton properties themselves. For a business that spends broadly and redeems into Hilton stays, that's a lot of points for a $195 annual fee. Up to $240 a year in Hilton credits, paid as $60 back each quarter, offsets a meaningful chunk of the fee if you book directly with Hilton portfolio properties, and complimentary Gold status comes with the card, with Diamond available after $40,000 in eligible purchases. Check the welcome offer before you apply: the 130,000 points after $6,000 in six months, which also waived the first-year annual fee, was flagged as a limited-time offer running through July 29, 2026, so confirm what's actually live. The limitation is flexibility, since these are Hilton points that only spend at Hilton, so the case rests entirely on your travel being Hilton-centric.