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Side-by-side

Hilton Honors American Express Business Card vs Bank of America Travel Rewards

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Bank of America Travel Rewards from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureHilton Honors American Express Business CardBank of America Travel Rewards
Annual fee$195$0
Sign-up bonus130,000 points25,000 points
Bonus value (est.)$650$250
Min spend to unlock bonus$6,000 in 6 mo$1,000 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
  • 1.5x everywhere
  • No annual fee
  • No foreign tx fees
  • Preferred Rewards boost
Read the full review
Hilton Honors American Express Business Card
$195/yr · 130,000 points
Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points

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: Bank of America Travel Rewards

The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Bank of America Travel Rewards?
The Hilton Honors American Express Business Card has the bigger bonus, 130,000 points, worth roughly $650, versus 25,000 points (~$250) on the Bank of America Travel Rewards.
Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Bank of America Travel Rewards?
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 Bank of America Travel Rewards's, pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and Bank of America Travel Rewards?
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 Bank of America Travel Rewards 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. Bank of America Travel Rewards: $1,000 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.