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Ink Business Premier® Credit Card vs The Hilton Honors American Express Business Card
This comparison aims to help users decide between the Ink Business Premier® Credit Card from Chase and the The Hilton Honors American Express Business Card from American Express. Both cards are designed for business owners but offer different benefits that cater to varying spending habits and travel preferences.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is tailored for business owners looking to maximize cash back on their purchases. With a focus on large transactions, this card provides lucrative cash back rewards and valuable travel benefits.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is ideal for those who frequently stay at Hilton properties. This card offers generous rewards on hotel stays and additional benefits that enhance the travel experience for Hilton loyalists.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | The Hilton Honors American Express Business Card |
|---|---|---|
| Annual Fee | $195 | $195 |
| Welcome Bonus | $1,000 bonus cash back after spending $10,000 in the first 3 months | Earn 130,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months |
| Rewards Structure | Unlimited 5% cash back on travel through Chase Travel; 2.5% on purchases of $5,000 or more; 2% on all other purchases | 12X on Hilton purchases; 5X on other purchases (first $100,000/year); 3X thereafter |
| Foreign Transaction Fee | None | None |
| Other Fees | No additional cost for employee cards | Terms apply for benefits |
| Additional Benefits | Trip cancellation insurance, purchase protection, cell phone protection | Complimentary Gold Status, up to $60 in statement credits each quarter |
Rewards Highlights
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.
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
Ink Business Premier® Credit Card
- Pros:
- High cash back rates, especially for large purchases.
- Comprehensive travel benefits.
- No foreign transaction fees.
- Cons:
- Higher spending requirement for the bonus cash back.
- Annual fee may not be justified for low spenders.
The Hilton Honors American Express Business Card
- Pros:
- Generous rewards for Hilton stays and related expenses.
- Complimentary Gold status provides added benefits.
- Attractive welcome bonus for new users.
- Cons:
- Bonus points limited to Hilton-related expenses.
- Annual fee may be high for non-Hilton users.
Who Should Consider Which Card?
- Ink Business Premier® Credit Card: Best suited for business owners who frequently make large purchases and want to maximize cash back, particularly on travel expenses.
- The Hilton Honors American Express Business Card: Ideal for users who often stay at Hilton hotels and want to earn significant rewards on their hotel-related spending.
Conclusion
Both the Ink Business Premier® Credit Card and The Hilton Honors American Express Business Card offer unique advantages tailored to different spending habits and preferences. It's essential to assess your individual needs and spending patterns to choose the card that best aligns with your business goals.