Capital One Spark Miles for Business 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

Extended Warranty

Purchase Protection

No Fees for Authorized Users

No Foreign Transaction Fees

Unique Card Benefits

Earns Transferable Points

Primary Car Rental CDW Waiver

Airport Lounge Access

Global Entry / TSA PreCheck Reimbursement

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Trip Protections

Secondary Car Rental CDW Waiver

Does Not Report Credit Line to Personal Credit Profile

Metal Card

Amex Offers

Capital One Spark Miles for Business

Annual Fee

$0 Introductory Annual Fee for the first year, then $95

Avg. Min. Credit Score

670-850

Ongoing APR

25.74% (Variable)

Balance transfers fees

$0 at the Transfer APR

Best Multiplier

5x Car Rentals

5x Hotels

2x Everything Else

Avg. Point Value
(Learn More)

$0.016

Bonus Offer

Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

Rating

(4.13) Our Review

Review

The Spark Miles is a uniquely simple small business credit card.

With 2X Capital One Miles earned per dollar spent on all eligible purchases (plus the option to earn 5X miles on hotels and rental cars booked through Capital One Travel), you can really rack up the miles fast.

And while Capital One Miles used to simply be worth a penny each towards travel, that’s changed entirely since Capital One made their miles transferable.

Many small business owners don’t worry about bonus categories, but they do want as many rewards points for their business spend as possible. And they want, on top of that simplicity, to know they are getting a top end rate of return on spend.

The Spark Miles accomplishes both goals. 2X miles on everything with no limit is among the best options among all small business credit cards. While the Blue Business® Plus Credit Card from American Express also earns 2X points on purchases, it is capped at $50,000 in spend per year whereas the Capital One Spark Miles has no limit.

And then for redeeming your points, you can simply spend them for travel at a penny a point, or you can use the airline and hotel transfer partners.

As for card benefits, the card comes with Primary Car Rental CDW coverage, as long as you are renting for business purposes and also carries extended warranty and purchase protection benefits, provided by Visa Business Signature. Some of these benefits don’t even display on the Capital One marketing pages, but they are on the guide to benefits.

Overall, it’s a super simple card that is an excellent choice for small business owners that love to travel on their time off.

Need to Know: Capital One generally will make an credit inquiry with all three credit bureaus. Your card and revolving balance will also be reported to your personal credit file. That likely doesn’t bother you unless you’re maxing out the card, but if it does, you can browse other credit cards that do not report the credit line to your personal credit profile.

Extended Warranty

yes

Purchase Protection

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Unique Card Benefits

yes

Earns Transferable Points

yes

Primary Car Rental CDW Waiver

yes

Airport Lounge Access

yes

Global Entry / TSA PreCheck Reimbursement

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Trip Protections

Secondary Car Rental CDW Waiver

Does Not Report Credit Line to Personal Credit Profile

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

Extended Warranty

yes

Purchase Protection

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes

Unique Card Benefits

Earns Transferable Points

Primary Car Rental CDW Waiver

Airport Lounge Access

Global Entry / TSA PreCheck Reimbursement

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Does Not Report Credit Line to Personal Credit Profile

yes

Metal Card

yes

Amex Offers

yes