accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet err-info-ico facebook facetwp-selections-arr filter-arr heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-light tooltip-filter-ico-white tooltip-filter-ico tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube
Explore Credit Cards Add Your Spending Profile
💳 Get up to a $3,000 Early Spend Bonus on Spark Cash Plus 💵
< Compare other cards
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
VS

Compare the Features and Benefits of Hilton Honors American Express Card and
Marriott Bonvoy Business® American Express® 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
Grants Hotel Status
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
No Foreign Transaction Fees
No Fees for Authorized Users
Amex Offers
Free Annual Hotel Night
Earns Transferable Points
Trip Protections
Does Not Report Credit Line to Personal Credit Profile
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
7x Hotels

Applies to bookings at Hilton Honors properties booked directly with Hilton. Otherwise, earn 3X

5x Gas Stations

At U.S. Gas Stations

5x Dining Out / Food Delivery

At U.S. Restaurants. Take out and delivery included.

5x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.2) 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

The Hilton Honors American Express Card is the entry level Hilton card in a family of three Hilton credit cards for individuals including this one, the Hilton Honors Surpass® Credit Card ($150 annual fee), and the Hilton Aspire® credit card ($550 annual fee).

(All information about the Hilton Honors Aspire® Credit Card ahas been collected independently by Your Best Credit Cards.)

If you stay with Hilton frequently and simply aren’t willing to pay an annual fee, this isn’t a bad card. With 7X earned at Hilton portfolio properties (we value that at 3.5% worth of points back since we value Hilton points at 0.5 cents each), you’ll certainly do well when you pay with this card at Hilton family hotels and resorts.

5X Hilton Honors points at US restaurants, US gas stations, and US supermarkets on a no-annual fee card isn’t bad either, with a 2.5% effective return on spend assuming a value of 0.5 cents per Hilton point).

restaurants-hilton-honors-american-express-card

However, if you do step up to the annual fee cards, you do get more. The Surpass comes with automatic Hilton Gold status instead of Hilton Honors Silver status, which adds a breakfast or meal voucher credit to your benefits along with room upgrades and gives you the opportunity to earn a Free Night Reward valid on any Standard Night Reward after $15,000 in spend.

And the Aspire, despite its heft annual fee, provides come crazy benefits like Diamond elite status.

However, you are probably reading about this card because you want a no annual fee Hilton credit card and this one is pretty strong for a new annual fee hotel card. Not to mention the shopping protections like Extended Warranty and Purchase Protection as well as no foreign transaction fees.

Rates and Fees for the Hilton Honors Credit Card from American Express

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Free Annual Hotel Night
no
Earns Transferable Points
no
Trip Protections
no
Does Not Report Credit Line to Personal Credit Profile
no
Annual Fee
$125 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
6x Hotels

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

4x Gas Stations

At U.S. gas stations

4x Cellular Phone Service

With U.S. Cellular Providers

4x Dining Out / Food Delivery

Worldwide

4x Shipping

With U.S. Shipping companies

2x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) 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

If you’re a business owner with a Marriott Bonvoy member account, there’s only one Marriott credit card that can deliver all the benefits you’re looking for. For Marriott perks galore, the Marriott Bonvoy Business Card is a stellar option. Better yet, its annual fee that pays itself for many small business owners who can take full advantage of the benefits offered by the card – especially that annual free night.

Let’s talk about how cardholders can earn and redeem Marriott Bonvoy points with the card. You’ll earn 6x points on eligible purchases at hotels participating in Marriott Bonvoy, and fortunately, there are more than 8,500 (and growing!) properties worldwide. The Bonvoy Business is one of our favorite business credit cards for small business owners that lean into Marriott for hotel stays.

hotels-marriott-bonvoy-business-american-express-card

You’ll also earn 4x bonus points per dollar of eligible purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and 2x points on all non-bonus purchases. To tie it all together, there are no caps to the number of points you can earn from the card.

Marriott Bonvoy points are still incredibly versatile, as no other hotel chain can boast the sheer number of properties that participate in this loyalty program. Besides redeeming your Marriott Bonvoy points at hotels, you also have the flexibility to transfer them to participating airline loyalty programs and directly for eligible airfare and car rentals through Marriott’s unique Air+Car Transfer program.

Even if you decide to pay for your stay on your own accord, this business credit card unlocks a 7% room discount at participating properties. This can amount to significant savings depending on how often you’re staying at Marriott hotels.

What really makes this Marriott credit card stand out from the rest is the free nights you can earn with the card (though certain hotels have resort fees). With your card membership, you’ll pay the annual fee on every account anniversary, and in the following month you’ll receive a Marriott free night award. This has a redemption value of 35,000 points, or roughly $210 in value at hotels participating in this loyalty program. Plus, you can add on up to 15,000 of your own points if you’d like to use the certificate at a hotel costing between 25,000 and 50,000 points for the night.

You’ll get the chance to earn an additional free night award if you’re a high-roller and can meet the $60,000+ spend threshold per calendar year, and this is certainly doable for businesses with many expenses.

On site at Marriott hotels and resorts, you’ll be rewarded even further with automatic Gold elite status. You’ll earn 25% more Marriott points as a Gold member (on top of the card’s 6X earning rate!), as well as access to 2 p.m. late checkout (based on availability) and room upgrades. Finally, you’ll get premium room internet access, making sure you stay connected no matter where you’re traveling.

In sum, this long-list of perks makes it one of our favorite hotel business credit cards, as earning Marriott Bonvoy points can be easier than ever from your routine business expenses.

Marriott Bonvoy Business® American Express® Card Eligibility Rules

Note: There are some confusing eligibility rules around this card. If you have the Bonvoy American Express card, Ritz Carlton Card, Marriott Bonvoy Bevy® American Express® Card, or the Marriott Bonvoy Brilliant® American Express® Card, you are free to apply for this card.

If you have a Chase Marriott Boundless, Chase Bonvoy Bold, or Chase Bonvoy Bountiful, you will only be  eligible to apply for this card if it’s been more than 24 months since you received the bonus on that card.

Rates and Fees for the Marriott Bonvoy Business® American Express® Card

Read more
Unique Card Benefits
yes
Grants Hotel Status
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Amex Offers
yes
Free Annual Hotel Night
yes
Earns Transferable Points
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes

Learn more about these cards today

Your account has been successfully created!