Amex Hilton Honors vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Hilton Honors wins 4-1. No-fee Hilton card — solid for occasional Hilton stays. Chase Ink Business Cash is still the right call if no-fee small-business card — 5% on office supplies, internet, cable..
Side-by-side
| Criterion | Amex Hilton Honors | Chase Ink Business Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 7% (travel) | · 5% (shopping) |
| Base reward rate | 3% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 70,000 Hilton points after $2,000 spend in 6 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.1/5 | 4.6/5 |
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
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Amex Hilton Honors vs Chase Ink Business Cash: 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, Chase Ink Business Cash 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. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.