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Compare the Features and Benefits of The Hilton Honors American Express Business Card and
The Blue Business® Plus Credit Card from American Express

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
Annual Statement Credits
Grants Hotel Status
Grants Car Rental Status
Trip Protections
No Foreign Transaction Fees
Metal Card
Amex Offers
Unique Card Benefits
0% Intro APR on Purchases
Travel and Emergency Assistance Services
Free Access to Credit Score
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
APR on purchases
-
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
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
Annual Statement Credits
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Metal Card
yes
Amex Offers
yes
Unique Card Benefits
no
0% Intro APR on Purchases
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
APR on purchases
0% Intro APR (on purchases for 12 months, 17.49%-25.49% thereafter)
Ongoing APR
17.49%-25.49% (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
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.28) 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

💳 This card earns American Express Membership Rewards points. American Express often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from American Express Membership Rewards here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

With the Blue Business Plus, small businesses can maximize their everyday business purchases, whether it’s shopping for office supplies to paying for client dinners to restocking inventory. There’s no annual fee and a nice welcome bonus to boot.

You can earn valuable Membership Rewards points at a terrific rewards rate: 2x bonus points per dollar spent on all eligible purchases, up to the first $50,000 spent per year; 1X thereafter. This makes the Blue Business Plus a great fit for businesses who don’t want to keep up with confusing bonus categories and spend less than this $50,000 limit every year. Above all, American Express Membership Rewards points are acclaimed for flexibility, as you can redeem them for travel, gift cards, charges on your statement credits, and more.

While you’ll be assigned a credit limit upon account opening, you’ll have access to Amex’s unique expanded buying power tool. This gives you the flexibility to pay for expenses potentially above your credit limit, which is important for business owners who likely have thousands of dollars of expenses every year. You’ll also get access to a 0% introductory APR rate on purchases in the first 12 months of account opening.

There are also important business expense management tools that can help you keep track of your business’s annual revenue and expenditures. With complimentary access to QuickBooks and Vendor Pay by Bill.com, the Amex Blue Business Plus is a fantastic starter card whether you own a new business or have a side hustle.

Rates and Fees for the the Blue Business® Plus Credit Card

Read more
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
Annual Statement Credits
no
Grants Hotel Status
no
Grants Car Rental Status
no
Trip Protections
no
No Foreign Transaction Fees
no
Metal Card
no
Amex Offers
no
Unique Card Benefits
yes
0% Intro APR on Purchases
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes

Learn more about these cards today

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