Hilton Honors Business Benefits, Credits & Annual Fee

• American Express Venue Collection Concessions Statement Credit$250 / yrTrackable

  Get 10% back in statement credits on qualifying food and beverage concessions at American Express Venue Collection stadiums and arenas. Enroll your card, then use it for qualifying purchases. Credits are capped at $250 per calendar year, and the offer ends December 31, 2026.

  Resets: Calendar yearChecked Sep 28, 2026
• Hilton Statement Credits$60 / qtrTrackable

  Get up to $240 back per year on eligible purchases charged directly by Hilton properties. The credit is split into up to $60 each quarter, and any unused portion of a quarterly credit does not carry over to the next quarter.

  Resets: QuarterlyChecked Sep 3, 2026

Travel Benefits

• Lowest Hotel Rates Guarantee

  Get a refund of the price difference if you find a lower online rate after booking a qualifying hotel rate through Amex Travel online or in its app. The lower rate must match the hotel, room, dates, guests, rate type, and booking policies. Prices are compared before taxes and fees.

  Checked Sep 28, 2026

Hotel Status

• Hilton Honors Diamond Status (Spend Upgrade)TrackableMin spend $40,000

  Spend $40,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year. Automatic Gold status remains separate.

  Resets: Calendar yearChecked Sep 14, 2026
• Hilton Honors Gold Elite Status

  Cardholders automatically receive Hilton Honors Gold status with no qualifying nights required. Gold perks include an 80% bonus on base points earned during paid stays, space-available room upgrades, a fifth night free on award stays, and complimentary breakfast or food-and-beverage credits at select properties.

  Checked May 22, 2026

Rental Car

• Car Rental Loss and Damage Insurance

  Get secondary coverage for damage to or theft of an eligible rental vehicle. Reserve and pay for the entire rental with your card, and decline the rental company's collision damage waiver. Liability is not covered, and rentals in Australia, Italy, and New Zealand are excluded.

  Checked Sep 28, 2026
• National Car Rental Emerald Club Executive StatusEnrollment required

  Complimentary National Car Rental Emerald Club Executive status. Card Members must enroll in Emerald Club Executive status through their American Express online account using their Card. Terms apply.

  Checked Sep 14, 2026

Travel Insurance

• Baggage Insurance Plan

  Get coverage for lost, damaged, or stolen baggage when you charge the entire fare for a plane, train, ship, or bus ticket to your card. Coverage is up to $1,250 for carry-on baggage and $500 for checked baggage, after carrier coverage. New York residents have a $10,000 aggregate limit per covered trip.

  Checked Oct 9, 2026

Bonus Earnings

• 12X Points at Hilton Hotels and Resorts12x points

  Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.

  Checked Sep 14, 2026
• 5X Points on Other Purchases (Up to $100,000)5x points

  Earn 5X Hilton Honors Bonus Points on the first $100,000 of eligible purchases each calendar year (outside higher Hilton hotel bonus).

  Checked Sep 14, 2026
• 3X Points on Purchases After $100,000 Threshold3x points

  Earn 3X Hilton Honors Bonus Points on eligible purchases after the first $100,000 in a calendar year.

  Checked Sep 14, 2026

Purchase Protection

• Purchase Protection

  Get coverage if an eligible item bought with your card is stolen or accidentally damaged within 90 days of purchase. Coverage is limited to $1,000 per covered purchase and $50,000 per card account each calendar year.

  Checked Oct 9, 2026
• Extended Warranty

  Get up to one additional year of coverage under the original manufacturer's warranty when you buy a covered item with your card. It applies to original warranties of five years or less on covered purchases in the United States or its territories or possessions.

  Checked Oct 9, 2026

Concierge & Membership

• Global Assist Hotline

  Get 24/7 help coordinating travel emergencies, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Call the Global Assist Hotline when you're traveling more than 100 miles from home. Costs for services arranged through the hotline may be your responsibility.

  Checked Oct 8, 2026

Entertainment

• American Express Venue Collection

  Get access to cardmember benefits at stadiums and arenas in the American Express Venue Collection. Check a participating venue's available benefits and use your U.S.-issued American Express card where required. Benefits are offered only at select events and venues.

  Checked Sep 28, 2026
• Amex Presale Tickets

  Buy tickets for select events before they go on sale to the general public. Look for Amex Presale Tickets during the specified presale period and use your American Express card to purchase. Access is limited to select events and seats.

  Checked Sep 28, 2026
• Amex Reserved Tickets

  Buy Amex Reserved Tickets for select events and seats. Look for reserved-ticket availability during the specified purchase period and use your American Express card to buy tickets. Availability is limited and does not cover every event or seat.

  Checked Sep 28, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  Use the Hilton Honors American Express Business Card globally without incurring foreign transaction fees.

  Checked Sep 14, 2026