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Hilton Honors American Express Card vs Ink Business Premier® Credit Card
This comparison aims to help users decide between the Hilton Honors American Express Card and the Ink Business Premier® Credit Card. Both cards offer unique features and rewards tailored to different types of users, so understanding their key attributes will help you make an informed decision.
Card Overviews
Hilton Honors American Express Card
The Hilton Honors American Express Card is designed for travelers who frequent Hilton hotels and enjoy earning rewards on their everyday purchases. With no annual fee and a robust rewards structure, this card is ideal for those looking to maximize their Hilton Honors points.
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card caters to business owners seeking to earn cash back on their expenses. With a higher annual fee, this card offers generous rewards for larger purchases and travel expenses, making it suitable for businesses that have significant spending in these categories.
Detailed Feature Comparison
| Feature | Hilton Honors American Express Card | Ink Business Premier® Credit Card |
|---|---|---|
| Annual Fee | $0 | $195 |
| Welcome Bonus | Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. |
| Rewards Structure | 7X Hilton Honors Bonus Points for eligible purchases at Hilton hotels, 5X Points at U.S. restaurants, supermarkets, and gas stations, 3X Points on all other purchases. | Unlimited 2.5% cash back on purchases of $5,000 or more, unlimited 2% cash back on all other business purchases, 5% cash back on travel through Chase Travel. |
| Foreign Transaction Fee | No | No |
| Other Fees | None specified | None specified |
| Additional Benefits | Complimentary Hilton Honors™ Silver status, upgrade to Gold status after $20,000 in eligible purchases. | Built-in fraud protection, no additional cost for employee cards, digital monitoring tools. |
Rewards Highlights
Hilton Honors American Express Card
- Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership.
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Pros and Cons
Hilton Honors American Express Card
- Pros:
- No annual fee.
- High rewards rate on Hilton purchases.
- Complimentary Hilton Honors Silver status.
- No foreign transaction fees.
- Cons:
- Lower cash back on non-Hilton purchases.
- Potentially less valuable for non-Hilton travelers.
Ink Business Premier® Credit Card
- Pros:
- Generous cash back on larger purchases.
- Comprehensive travel benefits.
- Business-oriented perks and monitoring tools.
- Cons:
- Higher annual fee.
- Spending threshold for welcome bonus may be high for some users.
Who Should Consider Which Card?
- Hilton Honors American Express Card: Ideal for frequent travelers who stay at Hilton properties and prefer earning hotel loyalty points over cash back.
- Ink Business Premier® Credit Card: Best suited for business owners who make large purchases and want to earn substantial cash back while benefiting from business-related features.
Conclusion
Choosing between the Hilton Honors American Express Card and the Ink Business Premier® Credit Card ultimately depends on your individual needs and spending patterns. Consider your travel habits, spending behavior, and whether you prefer hotel loyalty points or cash back rewards to make the best choice for your financial goals.