Amazon Business Prime American Express Card vs The Hilton Honors American Express Business Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Trip Protections

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

No Foreign Transaction Fees

No Fees for Authorized Users

Metal Card

Amex Offers

Amazon Business Prime American Express Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

18.99%-26.99% (Variable)

Balance transfers fees

Best Multiplier

5x Amazon / Whole Foods

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Receive a $125 Amazon Gift Card when approved for this card with an eligible Amazon Prime membership.

Rating

(3.88) Our Review

Review

An obvious powerhouse for those with a lot of spend at Amazon and Whole Foods with 5% cash back if you hold an Amazon Prime membership.

Many spend tens of thousands a month with AWS web services and 5% cash back on that can be huge, especially when you consider that cash back earned on a credit card is considered a rebate on spend and is not taxable as income.

While we are generally partial to cards that earn transferrable bank points, heavy Amazon spenders will do well with the 5% offered here.

Rates and Fees for the Amazon Business Prime American Express Card. Terms Apply.

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Trip Protections

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

No Foreign Transaction Fees

No Fees for Authorized Users

Metal Card

Amex Offers

The Hilton Honors American Express Business Card

Annual Fee

$195 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

20.49%-29.49% (Variable)

Balance transfers fees

Best Multiplier

5x Dining Out / Food Delivery

5x Groceries

5x Airfare

5x Hotels

5x Car Rentals

5x EV Charging

5x Gas Stations

5x Cruises

5x Transit

5x Drugstores

5x Cable / Internet / VOIP Phone

5x Cellular Phone Service

5x Office Supplies

5x Rent

5x Streaming Services

5x Advertising (Online / TV / Radio)

5x Gym Memberships

5x U.S. Electronic Goods Retailers / Software / Cloud System Providers

5x Construction Materials / Hardware Supplies

5x Online Retail Shopping

5x Amazon / Whole Foods

5x Entertainment (Concerts / Shows / Movies)

5x Costco

5x Shipping

5x Advertising on Search Engines and Social Media

5x Lyft

5x Single Charges over $5,000

5x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.005

Bonus Offer

Earn 175,000 Bonus Points after spending $8,000 on eligible purchases within the first six months of Card Membership (Terms apply).

Rating

(3.83) Our Review

Review

The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X) and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get 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. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Foreign Transaction Fees

yes

No Fees for Authorized Users

yes

Metal Card

yes

Amex Offers

yes