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Blue Cash Preferred® Card from American Express vs The Hilton Honors American Express Business Card
This comparison aims to assist users in deciding between the Blue Cash Preferred® Card from American Express and the The Hilton Honors American Express Business Card. Each card offers unique features tailored to different spending habits and financial goals.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card is designed for consumers who want to maximize their cash back on everyday purchases, particularly in categories like groceries and streaming services. With a generous cash back structure and a welcoming bonus, this card is ideal for families and individuals who spend significantly on these categories.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card caters to business owners and frequent travelers who prioritize hotel stays and travel rewards. With a focus on earning Hilton Honors Bonus Points, this card provides valuable benefits for those who frequently stay at Hilton properties.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | The Hilton Honors American Express Business Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $195 |
| Welcome Bonus | $250 statement credit after spending $3,000 in eligible purchases in the first 6 months | Earn 130,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and transit, 1% on other purchases | 12X Hilton Honors Bonus Points on eligible Hilton purchases, 5X on the first $100,000 spent each year, 3X thereafter |
| Foreign Transaction Fee | None | None |
| Other Fees | Cash advance fee: either $5 or 3% of the amount, whichever is greater | Cash advance fee: either $5 or 3% of the amount, whichever is greater |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later, Cash Back redemption options | Up to $60 in statement credits each quarter for eligible Hilton purchases, complimentary Hilton Honors Gold Status |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
The Hilton Honors American Express Business Card
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year
- 3X on all other eligible purchases. Terms & Limitations Apply
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on essential spending categories
- Attractive welcome bonus
- No foreign transaction fees
- Cons:
- Annual fee after the first year
- Limited rewards outside of specified categories
The Hilton Honors American Express Business Card
- Pros:
- Generous rewards for hotel stays and travel-related expenses
- Welcome bonus significantly boosts Hilton Honors points
- Complimentary Gold Status and potential for upgrades
- Cons:
- Higher annual fee
- Best suited for frequent travelers
Who Should Consider Which Card?
- Blue Cash Preferred® Card from American Express: Ideal for families and individuals who frequently shop for groceries, stream content, and want to maximize cash back on everyday purchases.
- The Hilton Honors American Express Business Card: Best suited for business owners and frequent travelers who regularly stay at Hilton properties and wish to earn significant rewards through Hilton Honors points.
Conclusion
Ultimately, choosing between the Blue Cash Preferred® Card from American Express and the The Hilton Honors American Express Business Card will depend on your individual spending habits and financial goals. Consider which card aligns best with your lifestyle and make an informed choice.