Hilton Honors American Express Card vs. Ink Business Unlimited 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
Ink Business Unlimited Credit Card
Chase
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 Unlimited Credit Card wins on first-year math.
Pick the Ink Business Unlimited Credit Card if year-one math is your priority.
Who wins what
2 vs 1 (1 tie)- First-year math Ink Business Unlimited Credit Card
Ink Business Unlimited 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.
By the numbers
- 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
- Lyft
- 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.