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Hilton Honors American Express Card vs The Business Platinum Card® from American Express
This comparison aims to assist users in deciding between the Hilton Honors American Express Card and The Business Platinum Card® from American Express. Both cards offer unique benefits tailored to different spending habits and lifestyles.
Card Overviews
Hilton Honors American Express Card
The Hilton Honors American Express Card is designed for travelers who frequently stay at Hilton properties and want to earn rewards on their purchases. With no annual fee, it offers a straightforward rewards structure, making it accessible for casual travelers.
The Business Platinum Card® from American Express
The The Business Platinum Card® from American Express is a premium card aimed at business owners and frequent travelers. With a higher annual fee, it provides extensive travel benefits, including access to airport lounges and significant rewards on business-related expenses.
Detailed Feature Comparison
| Feature | Hilton Honors American Express Card | The Business Platinum Card® from American Express |
|---|---|---|
| Annual Fee | $0 | $695 |
| Welcome Bonus | 80,000 Hilton Honors Bonus Points after spending $2,000 in the first 6 months | 150,000 Membership Rewards® points after spending $20,000 in the first 3 months + $500 statement credit after $2,500 on qualifying flights |
| Rewards Structure | 7X Points at Hilton hotels, 5X at U.S. restaurants, supermarkets, and gas stations, 3X on other purchases | 5X points on flights and hotels booked through AmexTravel.com, 1.5X on select business purchases, 1X on others |
| Foreign Transaction Fee | No | No |
| Other Fees | None | None specified |
| Additional Benefits | Complimentary Hilton Honors™ Silver status, potential Gold status upgrade | Access to airport lounges, $200 airline fee credit, various statement credits |
Rewards Highlights
Hilton Honors American Express Card Rewards
- 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.
The Business Platinum Card® from American Express Rewards
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Earn 1X points on other eligible purchases.
Pros and Cons
Hilton Honors American Express Card Pros and Cons
- Pros:
- No annual fee
- Generous rewards structure for Hilton stays
- Complimentary Hilton Honors™ Silver status
- No foreign transaction fees
- Cons:
- Limited rewards outside of Hilton purchases
- Lower welcome bonus compared to premium cards
The Business Platinum Card® from American Express Pros and Cons
- Pros:
- Comprehensive travel benefits including lounge access
- High rewards potential for business-related purchases
- Generous welcome bonus
- Multiple statement credits for travel-related expenses
- Cons:
- High annual fee
- Complex rewards structure may overwhelm casual users
Who Should Consider Which Card?
- Hilton Honors American Express Card: Ideal for occasional travelers who frequently stay at Hilton properties and want to earn rewards without paying an annual fee.
- The Business Platinum Card® from American Express: Best suited for business owners and frequent travelers who can maximize the card's extensive benefits and rewards, justifying the higher annual fee.
Conclusion
When choosing between the Hilton Honors American Express Card and The Business Platinum Card® from American Express, consider your individual needs, spending patterns, and travel habits. Each card offers unique benefits that cater to different user profiles, so select the one that aligns best with your financial goals and lifestyle.