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Side-by-side

Hilton Honors American Express Business Card vs Chase Ink Business Cash

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Chase Ink Business Cash from Chase 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 CardChase Ink Business Cash
Annual fee$195$0
Sign-up bonus130,000 points$750 bonus cash back
Bonus value (est.)$650$750
Min spend to unlock bonus$6,000 in 6 mo$6,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhotelbusiness
Best earning category (Hilton)12x1x
Transfer partnersNonechase-ur
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
  • 5% office + internet/phone
  • $750 SUB ($900 elevated ended Nov 2025)
  • No annual fee
  • Converts to UR points
Read the full review
Hilton Honors American Express Business Card
$195/yr · 130,000 points
Read the full review
Chase Ink Business Cash
$0/yr · $750 bonus 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: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Chase Ink Business Cash?
The Chase Ink Business Cash has the bigger bonus, $750 bonus cash back, worth roughly $750, versus 130,000 points (~$650) 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 Chase Ink Business Cash?
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 Chase Ink Business Cash's, pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and Chase Ink Business Cash?
Yes, since they're from different issuers (American Express and Chase) 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 Chase Ink Business Cash 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. Chase Ink Business Cash: $6,000 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.