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I’ll admit it. I used to cringe when realizing that a credit card had an annual fee. I mean, who wants to pay an annual fee for simply owning and using a credit card? “Shouldn’t I be reimbursed?” I would think. Isn’t that a huge waste of money? What am I even getting for this fee?
But…then I started to notice something interesting about these cards with annual fees. In most cases, the larger the annual fee, the more benefits are offered to the cardholder. And if you’re trying to get the most from your points, rewards, and status, there’s a good chance that your best bet really is a card that offers all of this and charges an annual fee.
So let’s take a look at one of the most popular hotel cards, The Hilton Honors American Express Business Card. Our question today is, is it worth the annual fee?
Here’s Why the Hilton Honors AMEX Business Card Annual Fee Is Worth It
Apply Here: The Hilton Honors American Express Business Card
It always makes sense to weigh the monetary benefits versus what you’re paying each year for your credit card.
For example, if you know that your card offers a $300 travel credit and a $200 credit towards groceries (I don’t know if this card exists, but if it does, I want it), and the annual fee is $450, that’s easy math. You’ll probably want to apply for that card.
- 125,000 Hilton point bonus – When you spend $3,000 on purchases in the first 3 months of account opening. This translates to free hotel rooms, and Hilton offers this handy calculator to give you a general idea of where you can stay and for how many points
- Complimentary Hilton Gold Elite status – In addition to a variety of great perks, like free breakfast and 80% bonus points, Hilton elite status gets you your 5th night free on award stays of 5+ nights
- 12X points on Hilton travel portfolio purchases, 6X points on select travel purchases (including US gas stations!), 3X points on all other purchases. These points really add up fast
- 10 Priority Pass lounge passes per year – This is a hidden bonus for anyone who is traveling through an airport. These airport lounges average to about $50 a visit. So that alone is a potential $500 value for a $95 annual fee. Plus, when you’ve got a long layover, lounge access can make your travel experience so much more pleasant. This perk alone makes the card completely worth it, in my opinion.
Here’s What You Get for the AMEX Hilton Honors Business Annual Fee
Here’s the total value of the main perks that come with this card:
- 10 Priority Pass airport lounge visits = Potentially $500
- 125,000 Hilton rewards points = ~$625 (this one is tougher to quantify, but Hilton points are generally worth an average of 0.5 cents each, and you can book some rooms for as little as 5,000 points)
- Gold Elite Status = Free breakfast at all Hilton hotels, 5th consecutive award night free, tons of bonus points. You’d have to complete 20 stays or 40 nights to qualify for Gold Elite Status without this card
Everyone’s situation is different, so I’m curious to know – when you do the math, does the AMEX Hilton Small Business card seem worth paying the annual fee? I think it’s worth applying for this card if:
- You know you can spend at least $3,000 on purchases in the first 3 months to earn the bonus
- You know you will want to stay at a Hilton hotel at least 2 nights this year. Or one night if you’re headed somewhere fancy
With all the benefits outlined above, I feel like this card is worth way more than $95 a year. Let me know your thoughts in the comments!
For rates and fees of the The Hilton Honors American Express Business Card, please click here.