The Hilton Honors American Express Business Card vs United Gateway℠ 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

Trip Protections

Secondary Car Rental CDW Waiver

Extended Warranty

Purchase Protection

No Foreign Transaction Fees

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Metal Card

Amex Offers

Unique Card Benefits

0% Intro APR on Purchases

Concierge 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

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

No Foreign Transaction Fees

yes

Annual Statement Credits

yes

Grants Hotel Status

yes

Grants Car Rental Status

yes

Does Not Report Credit Line to Personal Credit Profile

yes

No Fees for Authorized Users

yes

Metal Card

yes

Amex Offers

yes

Unique Card Benefits

0% Intro APR on Purchases

Concierge Services

Free Access to Credit Score

United Gateway℠ Card

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)

Ongoing APR

21.99%-28.99% (Variable)

Balance transfers fees

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

Best Multiplier

2x Airfare

2x Transit

2x Gas Stations

1x Everything Else

Avg. Point Value
(Learn More)

$0.012

Bonus Offer

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases.

Rating

(3.75) Our Review

Review

The United Gateway card does a solid job of providing enough benefits to make you wonder if it will be sufficient, vs investing $95 or more on one of the other Chase United credit cards since this is the only one with no annual fee.

The answer will depend on you.

If you fly several times a year and check a bag each time, then you’ll come out ahead paying the $95 annual fee on the United℠ Explorer Card since you’ll get free checked bags (one for you and a companion on the same itinerary) every time you pay with your card on a domestic flight. You also won’t get priority boarding with the Gateway card.

However, if you are on “Team Carry-On Only,” then this card provides many of the same benefits, including the benefit that gives you access to expanded Saver economy coach availability just like a United Silver Premier member. However, unlike all of the other United cards, you won’t be entitled to upgrades on award tickets.

Additionally, you won’t have any opportunities to earn PQPs from spending on this card whereas all the other United cards do offer that benefit.

Lastly, you might do better with a card like the Chase Sapphire Preferred® Card if you aren’t using the checked bag benefit or the expanded award availability benefit. That’s because you’ll have more opportunities to earn points from spend on the Sapphire Preferred, and while you can transfer those points right over to United, you can also take advantage of all of the other Chase Ultimate Rewards airline and hotel transfer partners.

In the end, it depends on you if this is a good card for you, or if another similar card might be better.

Trip Protections

yes

Secondary Car Rental CDW Waiver

yes

Extended Warranty

yes

Purchase Protection

yes

No Foreign Transaction Fees

yes

Annual Statement Credits

Grants Hotel Status

Grants Car Rental Status

Does Not Report Credit Line to Personal Credit Profile

No Fees for Authorized Users

Metal Card

Amex Offers

Unique Card Benefits

yes

0% Intro APR on Purchases

yes

Concierge Services

yes

Free Access to Credit Score

yes