Hilton Honors American Express Business Card vs Sapphire Reserve for Business

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Sapphire Reserve for Business?

The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, 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 Sapphire Reserve for Business?

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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.

Can I have both the Hilton Honors American Express Business Card and Sapphire Reserve for Business?

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 Sapphire Reserve for Business 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. Sapphire Reserve for Business: $20,000 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.