Amex Hilton Honors vs Amex Business Gold
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 Gold is still the right call if small businesses — 4x on top 2 spend categories from a list of 6..
Side-by-side
| Criterion | Amex Hilton Honors | Amex Business Gold |
|---|---|---|
| Annual fee | No annual fee | · $375 |
| Joining fee | = None | = None |
| Top reward rate | 7% (travel) | · 4% (shopping) |
| Base reward rate | 3% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Hilton points after $2,000 spend in 6 months | = 70,000 Membership Rewards points after $10,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.1/5 | 4.5/5 |
Benefits compared
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
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
FAQ
›Amex Hilton Honors vs Amex Business Gold: 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 Hilton Honors for its best categories, Amex Business Gold for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months. Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months.