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 dashboard-btn-arr dashboard-email-ico dashboard-pass-ico err-info-ico facebook facetwp-selections-arr filter-arr filter-cross 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 transfer-bonus-ico transfer-bonuses-close transfer-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
💳 Subscribe to Bonus Offer Notifications!
< 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 The Hilton Honors American Express Business Card and
Delta SkyMiles® Reserve 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
Annual Statement Credits
Grants Car Rental Status
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
Metal Card
Amex Offers
Grants Hotel Status
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Unique Card Benefits
Airport Lounge Access
Free Checked Bags
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Return Protection
Travel and Emergency Assistance Services
Concierge Services
Free Access to Credit Score
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
19.99%-28.99% (Variable)
Balance transfers fees
-
Best Multiplier
5x Dining Out / Food Delivery
5x Groceries
5x Airfare
5x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

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)
$0.006
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.
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

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 (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 business card amex

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

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
Annual Statement Credits
yes
Grants Car Rental Status
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Metal Card
yes
Amex Offers
yes
Grants Hotel Status
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Unique Card Benefits
no
Airport Lounge Access
no
Free Checked Bags
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Return Protection
no
Travel and Emergency Assistance Services
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
19.99%-28.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

LIMITED TIME OFFER: Earn 100,000 Bonus Miles after spending $6,000 in purchases on the new Card in the first 6 months of Card Membership. Offer Ends 4/2/25. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.68) 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

There are many reasons why frequent Delta flyers look toward the carrier’s top product: the Delta Reserve card with a $650 annual fee. This rewards card provides outstanding benefits when you’re flying Delta, but be prepared to pay a pretty penny.

First and foremost, you can get complimentary access to the Delta Sky Club, The Centurion Lounge, or Escape Lounge locations when presenting a same-day boarding pass with Delta Air Lines, giving you ample space to rest up, grab a meal or a drink, and get work done in the airport. While guest access isn’t included, you can bring up to two guests for a $50 per-person rate, or you can cash in your two guest passes that you’ll be awarded every card membership year.

Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

family, hike, travel

The annual companion certificate can also save you hundreds of dollars on Delta flights, as it’s eligible for round trip domestic, Caribbean, or Central American roundtrip flights in any class of service including First Class.

You’ll just need to pay the government imposed taxes and fees of less than $80 for domestic and $250 for international round trips — a steal for a second ticket on Delta Air Lines.

Furthermore, Delta SkyMiles Reserve cardholders receive unmatched status boost benefits for those who can meet the certain benchmarks.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns $1 MQD (Medallion Qualifying Dollars) for every $10 spent on eligible purchases with your Card – plus a $2,500 MQD boost each calendar year just for holding the Card.

The Delta Reserve card is also popular for elites as it provides upgrade priority over other Medallion members at the same status tier. Two elite members may be on the same elite status level, but with the Delta Reserve credit card, you’ll get higher priority on the upgrade list — which can mean all the difference in a sea of elite members.

And you’ll also receive up to $560 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card (Enrollment Required) and up to $200 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

You may be thinking that the Delta Reserve card is only targeted for those chasing Delta’s frequent flyer status. However, you may be surprised to find that the Delta SkyMiles Reserve card is also a fantastic choice for those without status but who want elite-like benefits.

Case in point: you and up to eight companions on the same reservation can bring your first checked bag free. And you can still get access to complimentary seat upgrades, although you’ll be placed on the bottom of the list after Medallion members.

There’s a long list of benefits that also come with the Delta Reserve card, such as the statement credit for Global Entry/TSA PreCheck, 15% award discount when redeeming for SkyMiles flights and travel and purchase protection benefits.

Simply put: it’s a huge step-up for Delta loyalists.

Rates and Fees for the Delta SkyMiles® Reserve American Express Card

Read more
Annual Statement Credits
yes
Grants Car Rental Status
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Metal Card
yes
Amex Offers
yes
Grants Hotel Status
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Unique Card Benefits
yes
Airport Lounge Access
yes
Free Checked Bags
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
Return Protection
yes
Travel and Emergency Assistance Services
yes
Concierge Services
yes
Free Access to Credit Score
yes

Learn more about these cards today

Your account has been successfully created!