Compare the Features and Benefits of American Express® Gold Card and
The Hilton Honors American Express Business Card

💳 This card earns American Express Membership Rewards points. American Express often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from American Express Membership Rewards here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

The American Express Gold Card (and the Rose Gold version of the Amex Gold Card) is one of my favorite credit cards on the market.

While many cards have more bonus categories or more features, the simplicity of a card that earns 4X American Express Membership Rewards points on both dining (up to $50,000 annually; 1X thereafter) and at U.S. supermarkets (up to $25,000 annually; 1X thereafter), given how much of my monthly spend is in one of these two categories, makes it an easy top-of-wallet choice. 3X on airfare is also nice.

It helps that I have no problem at all using the included credits, living in a major metropolitan area. In fact, I’ve generally used both of the included credits at GrubHub and Uber Eats by the fifth of each month! The Resy credits are also easy to use if you live in a major metro area (although admittedly not as easy if you don’t!). And the $7 Dunkin’ credits come in handy if you live in a Dunkin’ heavy area (which we do).

While I wouldn’t make it my only credit card, it definitely complements other cards nicely. If you already have the American Express Platinum Card, for example, you’d be better off using the Platinum card for its many benefits and 5X on airfare (up to $500,000 on these purchases per calendar year), but using your Amex Gold Card for your groceries and restaurant expenses.

Keep in mind that all of your American Express Membership Rewards points accrue to one master account. As long as you have at least one card open that earns Membership Rewards points, your points will never expire.

This includes no-annual fee cards like the Blue Business Plus.

The Amex Gold is also featured in our 5 Best Credit Cards for Groceries / Supermarkets.

Rates and Fees for the American Express® Gold Card

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