American Express Business Gold Card vs. Hilton Honors American Express Aspire Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
American Express Business Gold Card
Amex
Hilton Honors American Express Aspire Card
Amex
American Express Business Gold Card and Hilton Honors American Express Aspire Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
American Express Business Gold Card wins on first-year math and annual fee; Hilton Honors American Express Aspire Card wins on earning ceiling and lounge access.
Pick the American Express Business Gold Card if year-one math is your priority; take the American Express Business Gold Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math American Express Business Gold Card
American Express Business Gold Card wins on bonus value minus annual fee.
- Annual fee American Express Business Gold Card
American Express Business Gold Card is $175 cheaper to keep.
- Earning ceiling Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card earns more on its best category (14× vs 4×).
- Lounge access Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $375
- $550
- Welcome offer (typical value)
- $3,200
- $750
- First-year net
- +$2,825
- +$200
- Peak earning rate
- 4×
- 14×
- Top categories
- Advertising, Electronics, Dining
- Hotels Resorts, Airfare, Car Rentals
- Lounge access
- No
- priority-pass
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- Hilton Honors
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.