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The Business Platinum Card® from American Express vs The Hilton Honors American Express Business Card
This comparison aims to help users decide between The Business Platinum Card® from American Express and The Hilton Honors American Express Business Card by outlining the key features, benefits, and drawbacks of each card. Understanding these elements will allow users to make an informed choice based on their individual spending habits and travel preferences.
Card Overviews
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is designed for business owners who frequently travel and seek premium travel perks. With a high annual fee, this card offers extensive rewards on travel-related purchases and access to exclusive airport lounges, making it ideal for frequent flyers.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card caters to business owners who frequently stay at Hilton properties. With a lower annual fee compared to The Business Platinum Card®, it offers generous rewards on Hilton purchases and provides valuable hotel status benefits, making it perfect for those who prioritize hotel stays over travel perks.
Detailed Feature Comparison
| Feature | The Business Platinum Card® | The Hilton Honors American Express Business Card |
|---|---|---|
| Annual Fee | $695 | $195 |
| Welcome Bonus | Earn 150,000 Membership Rewards® points after spending $20,000 in first 3 months and $500 statement credit after spending $2,500. | Earn 130,000 Hilton Honors Bonus Points after spending $6,000 in first 6 months. |
| Rewards Structure | 5X points on flights and hotels booked at AmexTravel.com; 1.5X on select purchases. | 12X points on Hilton purchases; 5X on other purchases up to $100,000; 3X thereafter. |
| Foreign Transaction Fee | None | None |
| Other Fees | Terms Apply | Terms Apply |
| Additional Benefits | Airport lounge access, $200 Airline Fee Credit, $199 CLEAR® Plus Credit, and more. | Up to $60 in statement credits quarterly with Hilton, complimentary Gold Status, and potential Diamond Status. |
Rewards Highlights
The Business Platinum Card® from American Express
- 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.
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
The Business Platinum Card® from American Express
- Pros: Extensive travel perks, access to airport lounges, high rewards rate on travel, and premium benefits.
- Cons: High annual fee, may not be suitable for users who do not travel frequently.
The Hilton Honors American Express Business Card
- Pros: Lower annual fee, generous rewards on Hilton stays, complimentary hotel status, and statement credits for Hilton purchases.
- Cons: Limited to Hilton properties for maximum rewards, fewer travel benefits compared to Platinum Card.
Who Should Consider Which Card?
The Business Platinum Card® from American Express is best suited for frequent travelers who value airport lounge access, extensive travel benefits, and premium rewards on flights and hotels. It's ideal for business owners who travel regularly for work and can justify the higher annual fee with the extensive perks.
The Hilton Honors American Express Business Card is a great choice for business owners who primarily stay at Hilton properties and want to maximize their hotel rewards. With a lower annual fee and valuable hotel status benefits, it appeals to those who prefer hotel rewards over general travel perks.
Conclusion
Ultimately, the decision between The Business Platinum Card® from American Express and The Hilton Honors American Express Business Card should be based on individual spending patterns and travel preferences. Consider what benefits are most important to you and how often you travel or stay at hotels to choose the card that best aligns with your financial goals.