Amex Business Platinum vs Amex Hilton Honors
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
EXPRESS
Amex Hilton Honors wins 4-1. No-fee Hilton card — solid for occasional Hilton stays. Amex Business Platinum is still the right call if us-incorporated startups with $50k+/year corporate spend..
Side-by-side
| Criterion | Amex Business Platinum | Amex Hilton Honors |
|---|---|---|
| Annual fee | · $695 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 5% (travel) | 7% (travel) |
| Base reward rate | · 1.5% | 3% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 spend in 3 months | = 70,000 Hilton points after $2,000 spend in 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.1/5 |
Benefits compared
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
Amex Hilton Honors
- 7x Hilton Honors points at Hilton hotels
- 5x at US restaurants + gas stations
- 3x on everything else
- Hilton Honors Silver status
- No annual fee, no foreign transaction fees
FAQ
›Amex Business Platinum vs Amex Hilton Honors: which is better?
Amex Hilton Honors wins on more dimensions (4 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum for its best categories, Amex Hilton Honors for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Amex Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months.