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Side-by-side

Hilton Honors American Express Business Card vs Capital One Savor

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Capital One Savor from Capital One 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 CardCapital One Savor
Annual fee$195$0
Sign-up bonus130,000 points$250 cash back
Bonus value (est.)$650$250
Min spend to unlock bonus$6,000 in 6 mo$500 in 3 mo
IssuerAmerican ExpressCapital One
Card categoryhotelcashback
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
  • 3% dining + entertainment
  • 3% grocery + streaming
  • No annual fee
  • No foreign tx fees
Read the full review
Hilton Honors American Express Business Card
$195/yr · 130,000 points
Read the full review
Capital One Savor
$0/yr · $250 cash back

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: Capital One Savor

If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Capital One Savor?
The Hilton Honors American Express Business Card has the bigger bonus, 130,000 points, worth roughly $650, versus $250 cash back (~$250) on the Capital One Savor.
Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Capital One Savor?
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 Capital One Savor's, pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and Capital One Savor?
Yes, since they're from different issuers (American Express and Capital One) 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 Capital One Savor 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. Capital One Savor: $500 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.