Hilton Honors American Express Aspire Card vs. Ink Business Preferred Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Hilton Honors American Express Aspire Card
Amex
Ink Business Preferred Credit Card
Chase
Hilton Honors American Express Aspire Card and Ink Business Preferred Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Hilton Honors American Express Aspire Card wins on earning ceiling and lounge access; Ink Business Preferred Credit Card wins on first-year math and annual fee.
Pick the Ink Business Preferred Credit Card if year-one math is your priority; take the Ink Business Preferred Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Ink Business Preferred Credit Card
Ink Business Preferred Credit Card wins on bonus value minus annual fee.
- Annual fee Ink Business Preferred Credit Card
Ink Business Preferred Credit Card is $455 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 3×).
- 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
- $550
- $95
- Welcome offer (typical value)
- $750
- $1,700
- First-year net
- +$200
- +$1,605
- Peak earning rate
- 14×
- 3×
- Top categories
- Hotels Resorts, Airfare, Car Rentals
- Shipping, Advertising Social Search, Internet Cable Phone
- Lounge access
- priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.