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Compare the Features and Benefits of Capital One Venture Rewards Credit Card and
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
Unique Card Benefits
Airport Lounge Access
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
No Fees for Authorized Users
Global Entry / TSA PreCheck Reimbursement
Grants Car Rental Status
Earns Transferable Points
Concierge Services
Travel and Emergency Assistance Services
Roadside Assistance
Free Access to Credit Score
Metal Card
Grants Hotel Status
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.99%-29.99% (Variable)
Balance transfers fees
Balance Transfer Fee applies to balances transferred at a promotional rate
Best Multiplier
5x Hotels

When booked through Capital One Travel; else earn 2X

5x Car Rentals

When booked through Capital One Travel; else earn 2X

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
75,000 bonus Miles when you spend $4,000 within your first 3 months
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With the ability to transfer miles to travel partners or use miles to cover the cost of whatever travel charges you wish — along with a simple rewards structure — the Venture card is a great $95 annual fee option that has only improved its value proposition and perks over the years. On the earnings front, Capital One miles are pretty much as easy as it gets. You’ll earn rewards at a rate of 2X miles per dollar spent on pretty much everything, with 5X miles per dollar spent on hotels and rental cars booked through Capital One Travel.

venture credit card car rental status

The redemption process is similar to other programs, such as Amex Membership Rewards and Chase Ultimate Rewards, with transferable points often providing a higher value for your travel rewards. Some high-value ways to use Capital One Venture miles include redeeming with Air Canada Aeroplan, Turkish Miles & Smiles, and Virgin Red (redeem miles for Virgin Voyages and Virgin Atlantic). For simplicity’s sake, you can also book travel however you want, then redeem miles for a statement credit for some or all of the cost. Miles are worth a flat 1 cent apiece when redeemed this way — and there’s no minimum redemption amount.

On top of all of that, there’s a decent array of travel and purchase protections (although it’s not as robust as the flagship $395-per-year annual fee Capital One Venture X Rewards credit card). Finally, you’ll get reimbursed for Global Entry or TSA PreCheck every four years.

Read more
Unique Card Benefits
yes
Airport Lounge Access
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Global Entry / TSA PreCheck Reimbursement
yes
Grants Car Rental Status
yes
Earns Transferable Points
yes
Concierge Services
yes
Travel and Emergency Assistance Services
yes
Roadside Assistance
yes
Free Access to Credit Score
yes
Metal Card
yes
Grants Hotel Status
no
Does Not Report Credit Line to Personal Credit Profile
no
Amex Offers
no
Annual Fee
$95 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

6x Airfare
6x Car Rentals
6x Gas Stations
6x Cellular Phone Service
6x Dining Out / Food Delivery
6x Shipping
3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

With a relatively low $95 annual fee, 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.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays and 3% back on select business and travel categories in the US: gas stations, wireless telephone service, shipping, restaurants, flights booked directly, and car rentals booked direct. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

Hilton Business Credit Card

Hilton Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. Many sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.

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

Read more
Unique Card Benefits
yes
Airport Lounge Access
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Global Entry / TSA PreCheck Reimbursement
no
Grants Car Rental Status
no
Earns Transferable Points
no
Concierge Services
no
Travel and Emergency Assistance Services
no
Roadside Assistance
no
Free Access to Credit Score
no
Metal Card
no
Grants Hotel Status
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes

Learn more about these cards today

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