The Hilton Honors American Express Business Card vs The American Express Blue Business Cash™ Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Amex Offers

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Trip Protections

No Foreign Transaction Fees

Metal Card

Unique Card Benefits

0% Intro APR on Purchases

Travel and Emergency Assistance Services

Free Access to Credit Score

The Hilton Honors American Express Business Card

Annual Fee

$195 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

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

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Amex Offers

yes

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Trip Protections

yes

No Foreign Transaction Fees

yes

Metal Card

yes

Unique Card Benefits

0% Intro APR on Purchases

Travel and Emergency Assistance Services

Free Access to Credit Score

The American Express Blue Business Cash™ Card

Annual Fee

$0 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

APR on purchases

0% Intro APR (on purchases for 12 months, 17.99%-25.99% thereafter)

Ongoing APR

17.99%-25.99% (Variable)

Balance transfers fees

Best Multiplier

2x Airfare

2x Transit

2x Car Rentals

2x Cable / Internet / VOIP Phone

2x Costco

2x Gas Stations

2x Cellular Phone Service

2x Dining Out / Food Delivery

2x Hotels

2x Lyft

2x Office Supplies

2x Shipping

2x Single Charges over $5,000

2x Groceries

2x Cruises

2x Drugstores

2x Streaming Services

2x Gym Memberships

2x Advertising (Online / TV / Radio)

2x Entertainment (Concerts / Shows / Movies)

2x Advertising on Search Engines and Social Media

2x U.S. Electronic Goods Retailers / Software / Cloud System Providers

1x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Rating

(3.75) Our Review

Review

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

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Amex Offers

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Trip Protections

No Foreign Transaction Fees

Metal Card

Unique Card Benefits

yes

0% Intro APR on Purchases

yes

Travel and Emergency Assistance Services

yes

Free Access to Credit Score

yes