Head to head

Hilton Honors American Express Card vs. Ink Business Cash Credit Card

On the criteria below, Hilton Honors American Express Card wins 2 of 4. The verdict depends on which criteria matter to you.

Hilton Honors American Express Card

Amex

Chase

At a glance

Hilton Honors American Express Card wins 2 of 4 criteria here, making it the stronger all-rounder.

Hilton Honors American Express Card wins on earning ceiling and foreign transactions; Ink Business Cash Credit Card wins on first-year math.

Pick the Ink Business Cash Credit Card if year-one math is your priority.

2 vs 1 (1 tie)

First-year math Ink Business Cash Credit Card

Ink Business Cash Credit Card wins on bonus value minus annual fee.
Annual fee Tie

Same annual fee.
Earning ceiling Hilton Honors American Express Card

Hilton Honors American Express Card earns more on its best category (7× vs 5×).
Foreign transactions Hilton Honors American Express Card

Hilton Honors American Express Card has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): $400; $750
First-year net: +$400; +$750
Peak earning rate: 7×; 5×
Top categories: Hotels Resorts, Dining, U.S. Supermarkets; Office Supplies, Internet Cable Phone, Gas
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: Yes; No
Foreign transaction fee: None; 3.00%
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.