The Hilton Honors American Express Business Card vs Chase Freedom Rise

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

Purchase Protection

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Secondary Car Rental CDW Waiver

Does Not Report Credit Line to Personal Credit Profile

No Foreign Transaction Fees

No Fees for Authorized Users

Metal Card

Amex Offers

Unique Card Benefits

Free Access to Credit Score

The Hilton Honors American Express Business Card

Annual Fee

$195 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

20.99%-29.99% (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 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card 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

Purchase Protection

yes

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Secondary Car Rental CDW Waiver

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Foreign Transaction Fees

yes

No Fees for Authorized Users

yes

Metal Card

yes

Amex Offers

yes

Unique Card Benefits

Free Access to Credit Score

Chase Freedom Rise®

Annual Fee

Avg. Min. Credit Score

670-850

Ongoing APR

26.99% (Variable)

Balance transfers fees

$5 or 5% of the amount of each transfer, whichever is greater

Best Multiplier

5x Lyft

1.5x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rating

(3.5) Our Review

Review

The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.

What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.

There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.

Trip Protections

yes

Extended Warranty

yes

Purchase Protection

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Secondary Car Rental CDW Waiver

Does Not Report Credit Line to Personal Credit Profile

No Foreign Transaction Fees

No Fees for Authorized Users

Metal Card

Amex Offers

Unique Card Benefits

yes

Free Access to Credit Score

yes