First-year winner
Hilton Honors Business Card
$690 Year 1 edge
$1,473 vs $783
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Hilton Honors Business Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Hilton Honors Status Perks
Other · No listed cash value
Hilton co-brand cardholders can unlock hotel-program benefits such as elite-status value, bonus earnings on stays, and on-property perks.
Perk
Amex Offers Access
Other · No listed cash value
Eligible cardholders can add targeted Amex Offers for statement credits or bonus rewards with participating merchants.
Perk
Purchase and Warranty Protections
Purchase Protection · No listed cash value
American Express cards commonly include purchase-protection and extended-warranty style coverage on eligible purchases.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Card B
World of Hyatt Business Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
World of Hyatt Elite Value
Other · No listed cash value
Hyatt co-brand cards are tied to hotel-program perks such as elite-status value, award-night enhancements, and qualifying-night progress.
Perk
Chase Business Account Tools
Other · No listed cash value
Chase business cards are designed to support employee spending, account segmentation, and business purchase tracking.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Business Account Controls
Other · No listed cash value
Business cards usually include account-management tools that help separate company spend and monitor employee purchases.
Verdict
Hilton Honors Business wins year 1 and long term.
Winner after year 1
Hilton Honors Business Card
$1,290 ongoing edge
$1,473 vs $183
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
American Express
Hilton Honors Business Card
Year One
$1,473
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$1,473
Annual rewards + counted benefits - fee
Annual Rewards
$1,668
5.72% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Earns well on the spend mix you entered.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • There is no meaningful active welcome offer in the current dataset.
- • The points value case is thinner without transfer-partner flexibility.
Chase
World of Hyatt Business Credit Card
Year One
$783
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$183
Annual rewards + counted benefits - fee
Annual Rewards
$382
1.31% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
5x
$5,400
Hilton Honors Business
$270
5.00%
World of Hyatt Business
$54
1.00%
Groceries
5x
$7,800
Hilton Honors Business
$390
5.00%
World of Hyatt Business
$78
1.00%
Travel
12x
$3,000
Hilton Honors Business
$360
12.00%
World of Hyatt Business
$120
4.00%
Gas
5x
$1,920
Hilton Honors Business
$96
5.00%
World of Hyatt Business
$19
1.00%
General
5x
$11,040
Hilton Honors Business
$552
5.00%
World of Hyatt Business
$110
1.00%
Total annual spend
$29,160 across this mix
Hilton Honors Business$1,668
World of Hyatt Business$382
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Hilton Honors Business Card | World of Hyatt Business Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | $195 | $199 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | — | 2x 2X points in your top three eligible spend categories each quarter. |
| Travel rewards | 12x 12X Hilton Honors points on eligible Hilton purchases. | 4x 4X points on Hyatt purchases with the card. |
| All rewards | 5x 5X points on other eligible purchases on the first $100,000 per year, then 3X thereafter. | 1x |
| Offer | ||
| Welcome offer | — | 60,000 bonus points Spend $5,000 in 3 mo |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more | World of Hyatt Elite Value · Chase Business Account Tools · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | amex | — |
| Reward type | Points | Points |
Costs
Annual fee
Hilton Honors Business Card
$195
World of Hyatt Business Credit Card
$199
Foreign transaction fee
Hilton Honors Business Card
None
World of Hyatt Business Credit Card
None
Rewards
Other rewards
Hilton Honors Business Card
—
World of Hyatt Business Credit Card
2x
2X points in your top three eligible spend categories each quarter.
Travel rewards
Hilton Honors Business Card
12x
12X Hilton Honors points on eligible Hilton purchases.
World of Hyatt Business Credit Card
4x
4X points on Hyatt purchases with the card.
All rewards
Hilton Honors Business Card
5x
5X points on other eligible purchases on the first $100,000 per year, then 3X thereafter.
World of Hyatt Business Credit Card
1x
Offer
Welcome offer
Hilton Honors Business Card
—
World of Hyatt Business Credit Card
60,000 bonus points
Spend $5,000 in 3 mo
Benefits
Estimated benefits
Hilton Honors Business Card
4 listed
World of Hyatt Business Credit Card
4 listed
Benefit highlights
Hilton Honors Business Card
Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more
World of Hyatt Business Credit Card
World of Hyatt Elite Value · Chase Business Account Tools · No Foreign Transaction Fees · +1 more
Profile
Credit needed
Hilton Honors Business Card
Good
World of Hyatt Business Credit Card
Good
Network
Hilton Honors Business Card
amex
World of Hyatt Business Credit Card
—
Reward type
Hilton Honors Business Card
Points
World of Hyatt Business Credit Card
Points