Is the Hilton Honors Business (Amex) worth it in 2026?

Keep it+$3,794 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 2.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus175,000 pts × 2.0¢: +$3,500
Recurring credits (if fully used): +$489
Annual fee: −$195
Year-one value: +$3,794
Ongoing (year 2+, no bonus)credits − fee: +$294

Recurring credits

Hilton Resort Credit$240/yr
CLEAR Plus$199/yr
National Car Rental Emerald Club Executive (2 yrs)$50/yr

Apply for the Hilton Honors Business (Amex)

The application happens on Hilton Honors's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Hilton Honors Business (Amex)iOS app coming soon

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FAQ

Is the Hilton Honors Business (Amex) worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 2.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Hilton Honors Business (Amex)?

Probably not on the numbers alone — the recurring credits ($489/yr) already cover the $195 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.