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VS

Compare the Features and Benefits of The Hilton Honors American Express Business Card and
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
Unique Card Benefits
Trip Protections
Extended Warranty
No Foreign Transaction Fees
Grants Hotel Status
Airport Lounge Access
Secondary Car Rental CDW Waiver
Purchase Protection
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Amex Offers
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
Trip Protections
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
yes
Airport Lounge Access
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
Amex Offers
yes
Annual Fee
$0
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
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.13) 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

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.

grocery-stores-capital-one-savorone-student-cash-rewards-credit-card

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.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
no
Airport Lounge Access
no
Secondary Car Rental CDW Waiver
no
Purchase Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Amex Offers
no

Learn more about these cards today

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