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Hilton Honors American Express Business Card vs Atmos Rewards Visa Signature Business Card

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Atmos Rewards Visa Signature Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($613 more in estimated value) than the Hilton Honors American Express Business Card's. Get the Atmos Rewards Visa Signature Business Card first; revisit the Hilton Honors American Express Business Card after you've earned that bonus.

FeatureHilton Honors American Express Business CardAtmos Rewards Visa Signature Business Card
Annual fee$195$70
Sign-up bonus130,000 points70,000 points + $99 Companion Fare
Bonus value (est.)$507$1,120
Min spend to unlock bonus$6,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressBank of America
Card categoryhoteltravel
Best earning category (Hilton)12x1x
Transfer partnersNoneNone
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
    Read the full review
    Hilton Honors American Express Business Card
    $195/yr · 130,000 points
    Read the full review
    Atmos Rewards Visa Signature Business Card
    $70/yr · 70,000 points + $99 Companion Fare

    Editorial take: Hilton Honors American Express Business Card

    If you stay at Hiltons, this is the underrated middle tier, the $60/quarter credit + the $15k-spend Free Night routinely cover the $195 fee, and Gold status is real value at any Hilton property.

    Editorial take: Atmos Rewards Visa Signature Business Card

    Common questions

    Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Atmos Rewards Visa Signature Business Card?
    The Atmos Rewards Visa Signature Business Card has the bigger bonus, 70,000 points + $99 Companion Fare, worth roughly $1,120, versus 130,000 points (~$507) on the Hilton Honors American Express Business Card.
    Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Atmos Rewards Visa Signature Business Card?
    At $195/yr, the Hilton Honors American Express Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Atmos Rewards Visa Signature Business Card's, pick the one whose perks you'll actually use.
    Can I have both the Hilton Honors American Express Business Card and Atmos Rewards Visa Signature Business Card?
    Yes, since they're from different issuers (American Express and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Hilton Honors American Express Business Card or the Atmos Rewards Visa Signature Business Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Business Card: $6,000 spend in 6 months. Atmos Rewards Visa Signature Business Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.