The Hilton Honors American Express Business Card vs Capital One SavorOne Student Cash Rewards Credit 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

Trip Protections

Extended Warranty

No Foreign Transaction Fees

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Secondary Car Rental CDW Waiver

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Metal Card

Amex Offers

Unique Card Benefits

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

Trip Protections

yes

Extended Warranty

yes

No Foreign Transaction Fees

yes

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Secondary Car Rental CDW Waiver

yes

Purchase Protection

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Metal Card

yes

Amex Offers

yes

Unique Card Benefits

Capital One SavorOne Student Cash Rewards Credit Card

Annual Fee

Avg. Min. Credit Score

580-850

Ongoing APR

19.99%-29.99% (Variable)

Balance transfers fees

Balance Transfer Fee applies to balances transferred at a promotional rate

Best Multiplier

5x Car Rentals

5x Hotels

3x Dining Out / Food Delivery

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

You’ll earn $50 after you spend $100 in your first three months.

Rating

(4.13) Our Review

Review

As far as student credit cards go, the Capital One SavorOne Student Cash Rewards Credit Card is a winner.

It’s got the most bonus categories of any student cash back rewards credit card, with 8% cash back for Entertainment booked through Capital One Entertainment, 5% cash back on travel booked via Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target) and 1% cash back on all other eligible purchases.

You’ll also get a small cash bonus when you meet the terms of the Early Spend Bonus with your new card.

Most importantly, you’ll be building credit while also earning valuable rewards with no annual fee.

If you don’t spend a lot on dining, entertainment, streaming services and at grocery stores, you might prefer the Capital One Quicksilver Student Cash Rewards Credit Card, which lacks bonus categories but earns 1.5% cash back on all eligible purchases – 0.5% more than the Savor One Student credit card on non-bonused spend.

In short, it’s one of the best student credit cards around.

Trip Protections

yes

Extended Warranty

yes

No Foreign Transaction Fees

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Secondary Car Rental CDW Waiver

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Metal Card

Amex Offers

Unique Card Benefits

yes