American Express® Business Gold Card vs The Hilton Honors American Express Business Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Annual Statement Credits

Does Not Report Credit Line to Personal Credit Profile

Extended Warranty

Purchase Protection

Secondary Car Rental CDW Waiver

Trip Protections

Metal Card

No Foreign Transaction Fees

Amex Offers

Unique Card Benefits

0% Intro APR on Purchases

Earns Transferable Points

Has No Preset Spending Limit

Cell Phone Protection

Grants Hotel Status

Grants Car Rental Status

No Fees for Authorized Users

American Express® Business Gold Card

Annual Fee

$375 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

0% Intro APR (on purchases for 6 months, 18.49%-27.49% thereafter)

Ongoing APR

18.49%-27.49% (Variable)

Balance transfers fees

Best Multiplier

4x Gas Stations

4x Dining Out / Food Delivery

4x Advertising (Online / TV / Radio)

4x U.S. Electronic Goods Retailers / Software / Cloud System Providers

4x Cellular Phone Service

4x Transit

3x Airfare

3x Hotels

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.017

Bonus Offer

Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.

Rating

(4.3) Our Review

Review

Is the Amex Business Gold Card worth it?

It is if you spend big. The card offers 4X Membership Rewards points in some of the most popular categories that businesses use so, if you spend a lot in the qualifying categories listed above, the card is extremely valuable.

Courtesy: American Express

Membership Rewards points are particularly useful. You’ll have 18 airline partners to transfer to, with representatives from each of the 3 major global airline alliances.

The card now also comes with up to $395 in potential statement credits, which if you maxed out would offset the annual fee. As a reminder, those statement credit offers are:

$240 Flexible Business Credit: earn up to $20 in statement credits each month after you use the Business Gold Card for eligible purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.
Walmart+ Membership Credit: use the Business Gold Card to pay for a monthly Walmart + membership (subject to auto-renewal) and receive a statement credit that covers the full cost each month, valued at $155 annually.

Even if you don’t shop at Walmart, I could see easily using the Flexible Business Credit every month, even if just for a meal via GrubHub (pickup or delivery). Plus, the card also comes with Cell Phone Protection (See the Cell Phone Protection feature above for all of the details).

If you can spend a full $150,000 in purchases on your 2 bonus categories over a calendar year, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000!

The card also has no foreign transaction fee and is especially good if you already have a nice collection of points in another credit card program, like Chase Ultimate Rewards, so you can be diversified since each program has unique transfer partners.

Rates and Fees for the American Express® Business Gold Card

Annual Statement Credits

yes

Does Not Report Credit Line to Personal Credit Profile

yes

Extended Warranty

yes

Purchase Protection

yes

Secondary Car Rental CDW Waiver

yes

Trip Protections

yes

Metal Card

yes

No Foreign Transaction Fees

yes

Amex Offers

yes

Unique Card Benefits

yes

0% Intro APR on Purchases

yes

Earns Transferable Points

yes

Has No Preset Spending Limit

yes

Cell Phone Protection

yes

Grants Hotel Status

Grants Car Rental Status

No Fees for Authorized Users

The Hilton Honors American Express Business Card

Annual Fee

$195 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

Ongoing APR

19.99%-28.99% (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)

$0.006 - $0.005

Bonus Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

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

Does Not Report Credit Line to Personal Credit Profile

yes

Extended Warranty

yes

Purchase Protection

yes

Secondary Car Rental CDW Waiver

yes

Trip Protections

yes

Metal Card

yes

No Foreign Transaction Fees

yes

Amex Offers

yes

Unique Card Benefits

0% Intro APR on Purchases

Earns Transferable Points

Has No Preset Spending Limit

Cell Phone Protection

Grants Hotel Status

yes

Grants Car Rental Status

yes

No Fees for Authorized Users

yes