Compare the Features and Benefits of Hilton Honors American Express Card and
The American Express Blue Business Cash™ Card

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).

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 on eligible purchases on your Card in a calendar year.

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

The American Express Blue Business Cash business credit card is a great card for those who are both not interested in points (prefer cash back) and do not want to keep track of bonus categories.

With a simple 2% cash back on all eligible purchases until you reach $50,000 in spend in a calendar year, it’s a perfectly suitable cash back card for those that spend under $50,000 in a calendar year for their business. Though the rate will drop to 1% on eligible purchases after you spend $50,000 in a calendar year, there is no limit to the amount of cash back that you can earn.

If you prefer American Express Membership Rewards points instead of cash, there is a nearly identical version of this credit card, called the American Express Blue Business Plus™ Card, which earns Membership Rewards points instead of cash at the same rate.

Keep in mind that this no-annual fee card does charge a 2.7% foreign transaction fee, so please make sure you have a separate credit card with no foreign transaction fees for your trips abroad.

If you spend more than $50,000 a year, however, and want straight cash back and expanded buying power, you should consider these two alternative business credit cards:

• The Chase Ink Business Premier, which is a charge card with no preset limit and earns 2% cash back on everything and even earns 2.5% cash back on purchases over $5,000.
• The Capital One Spark Cash Plus, which is a charge card with no preset limit that earns 2% on all purchases.

If you would like to have separate Blue Business Cash cards for your employees, you can do so with no fee.

Rates and Fees for the The American Express Blue Business Cash™ Card