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The Business Platinum Card® from American Express

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(4.4) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply.

Bonus points for spend in the following bonus categories:

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5 x
Airfare
Estimated Rewards Value: 8.5%

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5 x
Hotels
Estimated Rewards Value: 8.5%
1.5 x
Single Charges over $5,000
Estimated Rewards Value: 2.55%
1.5 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 2.55%
1.5 x
Shipping
Estimated Rewards Value: 2.55%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • With an array of both luxury travel perks and small business benefits, this is the ultimate premium card for high-spenders.
  • Generous protections when using the card to make purchases that provide genuine peace of mind.
  • Amex Membership Rewards points are extremely valuable, especially for their ability to be transferred to hotel and airline partners.

Pros

  • Robust 5x Membership Rewards on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass Select membership, and more.
  • More than $1,500 in statement credits that can help your small business and travel- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers. (Terms apply.)

Cons

  • High annual fee of $695
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 19.49%-28.49% (Variable)
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

The Platinum Card® from American Express

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(4.3) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5 x
Airfare
Estimated Rewards Value: 8.5%

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

5 x
Hotels
Estimated Rewards Value: 8.5%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
  • With over $1,800 in available statement credits, this is a premium travel rewards card with benefits galore. (Terms apply.) Note: Aside from the listed bonus categories, earn 1X on all other eligible purchases.
  • The Platinum card hasn't shed its travel roots, but itÔÇÖs expanded beyond to become a lifestyle card with perks like Uber, Saks Fifth Avenue, Equinox, and more. (Enrollment required)
  • Amex Membership Rewards points are extremely flexible, with the option to redeem for travel directly through Amex Travel or transfer to a wide range of airline and hotel partners.

Pros

  • A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
  • There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
  • One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).

Cons

  • High annual fee that will require a bit of work to fully maximize.
  • Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
  • Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

American Express® Business Gold Card

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(4.3) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.

Bonus points for spend in the following bonus categories:

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Gas Stations
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Cellular Phone Service
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4 x
Transit
Estimated Rewards Value: 6.8%

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise

3 x
Hotels
Estimated Rewards Value: 5.1%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • Amazing Membership Rewards points earning rate for 6 popular business spending categories
  • No Preset Spending Limit
  • Card membership includes the very well regarded American Express customer service

Pros

  • You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
  • Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
  • Card membership includes the very well regarded American Express customer service

Cons

  • The high annual fee, despite being worth it for high spenders
  • If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $375
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 19.49%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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American Express is an Advertising Partner

Marriott Bonvoy Brilliant® American Express® Card

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(3.7) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 185,000 Marriott Bonvoy points after spending $6,000 in eligible purchases on your Card within the first six months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X

6 x
Hotels
Estimated Rewards Value: 3.6%
3 x
Airfare
Estimated Rewards Value: 1.8%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.8%
2 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Top-tier Marriott benefits, including complimentary Platinum elite status and an annual free night award as well as 25 elite night credits towards earning Titanium or Ambassador status
  • Potential to earn an Earned Choice Award every year by spending $60,000+ on this Marriott credit card in a calendar year
  • The card offers an up to $300 dining statement credit, which can cut down the annual fee by nearly half

Pros

  • Annual free night award presents immense value with a redemption level of up to 85,000 bonus points
  • Automatic Platinum elite status comes with free lounge access or breakfast (where available), 4pm checkout (with resorts and convention center properties excluded), and can give you access to space-available suite upgrades
  • Top-notch travel benefits, including Priority Pass Select airport lounge membership (enrollment required), Global Entry/TSA PreCheck reimbursement, trip cancellation and interruption insurance and more

Cons

  • $650 annual fee is top-of-the-line when it comes to hotel credit cards
  • The earning rate isn't as rewarding as many other credit cards, with only up to 3x bonus points on non-Marriott purchases
  • The up to $100 Marriott property credit requires a minimum of a 2-night stay booked directly at St. Regis or Ritz-Carlton properties only
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes
American Express is an Advertising Partner

American Express® Gold Card / Rose Gold Card

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(4.5) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 60,000 bonus Membership Rewards points when you spend $6,000 in 6 months. Terms apply.

Bonus points for spend in the following bonus categories:

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)

4 x
Groceries
Estimated Rewards Value: 6.8%

At restaurants worldwide and on takeout delivery within the U,S.

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

Booked directly with the airline or via AmexTravel.com

3 x
Airfare
Estimated Rewards Value: 5.1%
+
 more
  • Amazing Membership Rewards earn rate for spend on dining and at supermarkets as well as airfare
  • No Preset Spending Limit
  • You can choose the traditional American Express Gold Card color or the unique Rose Gold

Pros

  • For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
  • Although the annual fee seems high, all but $10 can be offset by using available monthly statement credits
  • Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

  • The annual fee of $250, despite the statement credits that can offset it, is steep for some
  • Bonus categories are limited to just three
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $250
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Author: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes
American Express is an Advertising Partner

Marriott Bonvoy BevyÔäó American Express┬« Card

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(3.8) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 155,000 Marriott Bonvoy points after spending $5,000 in eligible purchases on your Card within the first six months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

Earn 6X points when staying at a Marriott Bonvoy participating hotel booked directly through Marriott or the hotel; else earn 2X

6 x
Hotels
Estimated Rewards Value: 3.6%
4 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

U.S. Supermarkets only. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

4 x
Groceries
Estimated Rewards Value: 2.4%
2 x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • The card helps you earn Marriott Bonvoy points faster, with 6x points per dollar spend on the card at a Bonvoy property and 1,000 bonus points on every eligible Marriott stay
  • Complimentary Gold elite status as well as 15 annual elite night credits to help you qualify for higher ranks
  • Potential to earn a free night award upon spending $15,000+ on the card per calendar year, which is worth around $300, based on our valuation of Marriott Bonvoy points

Pros

  • Complimentary Marriott Bonvoy Gold elite status just by holding the card
  • On top of the 6x points earning rate at Marriott Bonvoy properties, you can earn 1,000 bonus points for every eligible Marriott Bonvoy stay
  • Travel and purchase protections (See Card Details for benefits and disclosures)

Cons

  • The Bevy free night award is not given automatically; you must spend at least $15,000 on the card per calendar year
  • $250 annual fee is a bit steep, especially for the benefits provided in comparison to the Brilliant and the Boundless cards.
  • Marriott Bonvoy Gold elite status isn't as competitive as other hotel loyalty program benefits, considering that The Platinum Card┬« from American Express offers both complimentary Marriott Gold and Hilton Gold status upon enrollment
Annual Fee: $250
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Delta SkyMiles® Reserve Business American Express Credit Card

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(3.9) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.6%
1.5 x
Transit
Estimated Rewards Value: 1.8%

U.S. Shipping only

1.5 x
Shipping
Estimated Rewards Value: 1.8%

U.S. office supply stores only

1.5 x
Office Supplies
Estimated Rewards Value: 1.8%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn MQDs towards Medallion Status bya spend ($1 MQD per $10 spent) and get 2,500 MQDs per year just for having the card!
  • Frequent Delta flyer perks like first free checked bag, Main Cabin 1 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights

Pros

  • Delta Sky Club access when you're flying the same-day with Delta (Visit limits apply beginning in 2025)
  • Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
  • Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.

Cons

  • $650 annual fee
  • Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
  • Limited bonus categories for spend
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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American Express is an Advertising Partner

Marriott Bonvoy Business® American Express® Card

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(3.9) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms Apply.

Bonus points for spend in the following bonus categories:

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

6 x
Hotels
Estimated Rewards Value: 3.6%

At U.S. gas stations

4 x
Gas Stations
Estimated Rewards Value: 2.4%

With U.S. Cellular Providers

4 x
Cellular Phone Service
Estimated Rewards Value: 2.4%

Worldwide

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%

With U.S. Shipping companies

4 x
Shipping
Estimated Rewards Value: 2.4%
2 x
Everything Else
Estimated Rewards Value: 1.2%
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 more
  • Earn an annual free night award after your card renewal month (with a redemption level of up to 35,000 Marriott Bonvoy points - or 50,000 if you "top off" with up to 15,000 of your own additional points) with the opportunity to earn an additional free night award from spend
  • A solid 7% room rate discount at 8,500+ properties participating in the Marriott Bonvoy program
  • Complimentary Marriott Bonvoy elite status (Gold) and 15 annual elite credits with your card membership

Pros

  • Earn 4x Marriott Bonvoy points at a wide variety of everyday business categories, including restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping.
  • Free night awards galore! You'll earn one upon card renewal with the opportunity to earn an additional free night award after spending $60,000+ in a calendar year
  • Complimentary Gold elite status for 25% bonus points on Marriott purchases, 2 p.m. (based on availability) late checkout and space-available enhanced room upgrades

Cons

  • $125 annual fee
  • Free night award is capped at 35,000 points, although you can use up to 15,000 points of your own to increase that to a 50,000 point room
  • Marriott Bonvoy Gold elite status does not offer a ton of perks compared to other hotel loyalty programs or the higher Marriott Bonvoy tiers
Annual Fee: $125
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.006

While Marriott Bonvoy dropped all award charts in favor of a dynamic pricing system, it hasn't gotten out of hand and the 5th night free on awards can still provide outsized value. It's also hard to beat the breadth of Marriott Bonvoy properties all over the world.

APR: 20.99%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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American Express is an advertising partner.

The Hilton Honors American Express Business Card

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(3.8) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5/2024. Terms Apply.

Bonus points for spend in the following bonus categories:

3 x
Everything Else
Estimated Rewards Value: 1.5%
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 more
  • Very high earn rate for all spend at Hilton properties (12X)
  • Comes with complimentary Hilton Gold elite status
  • You'll get up to $60 in statement credits each quarter at Hilton family hotels

Pros

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • You'll get up to $60 in statement credits each quarter at Hilton family hotels
  • Includes mid-tier Hilton Gold status, a way to spend to Diamond status, and you can spend your way to up to two free nights at any Hilton property in the world.

Cons

  • The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
  • Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed.
  • The card no longer includes Priority Pass lounge access or the ability to earn Free Night Reward certificates
Annual Fee: $195
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.

APR: 20.99%-29.99% (Variable)
Author: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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All information about the Hilton Honors American Express Aspire® Card has been collected independently by Your Best Credit Cards.

Hilton Honors American Express Aspire® Card

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(4.4) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 175,000 Hilton Honors Bonus Points after you make $6,000 in purchases within the first 6 months of Card Membership. Offer ends 04/17/2024. Terms apply.

Bonus points for spend in the following bonus categories:

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

14 x
Hotels
Estimated Rewards Value: 7%
7 x
Airfare
Estimated Rewards Value: 3.5%
7 x
Car Rentals
Estimated Rewards Value: 3.5%

U.S. dining, including takeout and delivery

7 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.5%
3 x
Everything Else
Estimated Rewards Value: 1.5%
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 more
  • Diamond Elite Status
  • Up to $889 in annual statement credits (Terms apply)
  • An annual Free Night Reward with no cap on value

Pros

  • Diamond Elite Status
  • Up to $889 in annual statement credits (Terms apply)
  • An annual Free Night Reward with no cap on value

Cons

  • Points earned are only good for booking Hilton family stays
  • High annual fee (but not really, considering the value)
  • We really can't think of a third!
Annual Fee: $550
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.

Author: Dave Grossman
Total Rating:
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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.

Last Updated: April 13, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1.5x Transit
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.012
Best Multiplier
3x Airfare
2x Transit
+ 5 more

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