Chase Ink Business Premier℠ Credit 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

No Foreign Transaction Fees

Extended Warranty

Purchase Protection

Trip Protections

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Unique Card Benefits

Primary Car Rental CDW Waiver

Cell Phone Protection

Roadside Assistance

Travel and Emergency Assistance Services

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Secondary Car Rental CDW Waiver

Metal Card

Amex Offers

Chase Ink Business Premier℠ Credit Card

Annual Fee

$195

Avg. Min. Credit Score

670-850

Ongoing APR

18.99%-26.99% (Variable)

Balance transfers fees

Best Multiplier

5x Airfare

5x Cruises

5x Car Rentals

5x Hotels

2.5x Single Charges over $5,000

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

Rating

(3.75) Our Review

Review

The Ink Business Premier credit card from Chase fits a specific target audience.

The businesses best suited for this card spend a very high amount monthly and want to simplify their spending. Especially if you have frequent charges over $5,000, that annual fee is paid for many times over by the extra 1/2 percent earned in cash back.

While it’s easy to get caught up in miles and points, if you are spending and earning more points than you can realistically spend, it’s not at all a bad idea.

However, if you want to earn transferable points, you would be better served by a Capital One Spark Cash Select. Alone, the Spark Cash is also just straight cash, but if you have a Venture, Venture X, or Spark Miles for Business card, you can convert the cash to miles.

If that’s not a concern, then the Chase Ink Business Premier is easily the very best business charge card out there. No other credit card or charge card will get you more cash back on purchases.

Many small business owners spend a ton on inventory monthly and could be earning huge amounts of cashback, but don’t have time to learn about miles and points. This business card is perfect for those small business owners. If purchases tend to be large purchases over $5,000 (which earn 2.5%) it becomes even better.

No Foreign Transaction Fees

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Unique Card Benefits

yes

Primary Car Rental CDW Waiver

yes

Cell Phone Protection

yes

Roadside Assistance

yes

Travel and Emergency Assistance Services

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Secondary Car Rental CDW Waiver

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

20.24%-29.24% (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

No Foreign Transaction Fees

yes

Extended Warranty

yes

Purchase Protection

yes

Trip Protections

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Unique Card Benefits

Primary Car Rental CDW Waiver

Cell Phone Protection

Roadside Assistance

Travel and Emergency Assistance Services

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Secondary Car Rental CDW Waiver

yes

Metal Card

yes

Amex Offers

yes