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Hilton Honors American Express Card vs Sapphire Reserve for Business
Both are well-respected travel cards. The Hilton Honors American Express Card comes from American Express at $0/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,595 more in estimated value) than the Hilton Honors American Express Card's. Get the Sapphire Reserve for Business first; revisit the Hilton Honors American Express Card after you've earned that bonus.
| Feature | Hilton Honors American Express Card | Sapphire Reserve for Business |
|---|---|---|
| Annual fee | $0 | $795 |
| Sign-up bonus | Not advertised | 150,000 points |
| Bonus value (est.) | - | $2,595 |
| Min spend to unlock bonus | - | $20,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | business |
| Best earning category (Hilton_hotels) | 7x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
Read the full review
Hilton Honors American Express Card
$0/yr ·
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
Editorial take: Sapphire Reserve for Business
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors American Express Card or Sapphire Reserve for Business?
- The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), while the Hilton Honors American Express Card doesn't advertise one right now.
- Is the Hilton Honors American Express Card's $0 annual fee worth it compared to the Sapphire Reserve for Business?
- The Hilton Honors American Express Card has no annual fee, so the question is whether the Sapphire Reserve for Business's $795 fee is justified by its perks. If you'll use enough of the Sapphire Reserve for Business's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Hilton Honors American Express Card.
- Can I have both the Hilton Honors American Express 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 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 Card: no published min spend. 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.
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.