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Side-by-side

Hilton Honors American Express Business Card vs Capital One Spark Cash Plus

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Capital One Spark Cash Plus from Capital One at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Hilton Honors American Express Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($650 more in estimated value) than the Capital One Spark Cash Plus's. Get the Hilton Honors American Express Business Card first; revisit the Capital One Spark Cash Plus after you've earned that bonus.

FeatureHilton Honors American Express Business CardCapital One Spark Cash Plus
Annual fee$195$150
Sign-up bonus130,000 points$4,000 cash bonus
Bonus value (est.)$650-
Min spend to unlock bonus$6,000 in 6 mo-
IssuerAmerican ExpressCapital One
Card categoryhotelbusiness
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
    Capital One Spark Cash Plus
    $150/yr · $4,000 cash bonus

    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 Spark Cash Plus

    Common questions

    Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Capital One Spark Cash Plus?
    The Hilton Honors American Express Business Card has a public bonus (130,000 points, worth roughly $650), while the Capital One Spark Cash Plus doesn't advertise one right now.
    Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Capital One Spark Cash Plus?
    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 Spark Cash Plus's, pick the one whose perks you'll actually use.
    Can I have both the Hilton Honors American Express Business Card and Capital One Spark Cash Plus?
    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 Spark Cash Plus 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 Spark Cash Plus: no published min spend. 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.