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Hilton Honors American Express Aspire vs Wells Fargo Signify Business Cash

Both are well-respected travel cards. The Hilton Honors American Express Aspire comes from American Express at $550/yr; the Wells Fargo Signify Business Cash from Wells Fargo at $0/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 Aspire is the stronger pick today, the sign-up bonus is meaningfully larger ($875 more in estimated value) than the Wells Fargo Signify Business Cash's. Get the Hilton Honors American Express Aspire first; revisit the Wells Fargo Signify Business Cash after you've earned that bonus.

FeatureHilton Honors American Express AspireWells Fargo Signify Business Cash
Annual fee$550$0
Sign-up bonus175,000 points
Bonus value (est.)$875-
Min spend to unlock bonus$6,000 in 6 mo-
IssuerAmerican ExpressWells Fargo
Card categoryhotelbusiness
Best earning category (Hilton)14x1x
Transfer partnersNoneNone
Headline benefits
  • Automatic Diamond status
  • Free weekend night certificate
  • $400 resort credit + $200 flight credit
  • $209 CLEAR + $100 Conrad/Waldorf
    Read the full review
    Hilton Honors American Express Aspire
    $550/yr · 175,000 points
    Read the full review
    Wells Fargo Signify Business Cash
    $0/yr ·

    Editorial take: Hilton Honors American Express Aspire

    Pretty much a no-brainer if you stay at Hilton hotels. The $550 annual fee pays for itself with just the free night reward alone, which can be used at any standard room property, even $1,000+ per night hotels.

    Editorial take: Wells Fargo Signify Business Cash

    Common questions

    Which card has the bigger sign-up bonus, Hilton Honors American Express Aspire or Wells Fargo Signify Business Cash?
    The Hilton Honors American Express Aspire has a public bonus (175,000 points, worth roughly $875), while the Wells Fargo Signify Business Cash doesn't advertise one right now.
    Is the Hilton Honors American Express Aspire's $550 annual fee worth it compared to the Wells Fargo Signify Business Cash?
    Premium cards like the Hilton Honors American Express Aspire ($550/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $550+ of those credits, the math works. The Wells Fargo Signify Business Cash at $0/yr trades some perks for a lower commitment.
    Can I have both the Hilton Honors American Express Aspire and Wells Fargo Signify Business Cash?
    Yes, since they're from different issuers (American Express and Wells Fargo) 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 Aspire or the Wells Fargo Signify Business Cash first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Aspire: $6,000 spend in 6 months. Wells Fargo Signify Business Cash: 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.