First-year winner
Hilton Honors Business Card
$965 Year 1 edge
$1,473 vs $508
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
U.S. Bank Business Altitude Power Visa Signature Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Business Spend Management
Other · No listed cash value
U.S. Bank business cards are geared toward business account controls, team spending, and issuer-managed account tools.
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.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
Hilton Honors Business wins year 1 and long term.
Winner after year 1
Hilton Honors Business Card
$965 ongoing edge
$1,473 vs $508
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.
U.S. Bank
U.S. Bank Business Altitude Power Visa Signature Card
Year One
$508
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$508
Annual rewards + counted benefits - fee
Annual Rewards
$703
2.41% 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
- • 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.
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%
U.S. Bank Business Altitude Power Visa Signature
$108
2.00%
Groceries
5x
$7,800
Hilton Honors Business
$390
5.00%
U.S. Bank Business Altitude Power Visa Signature
$156
2.00%
Travel
12x
$3,000
Hilton Honors Business
$360
12.00%
U.S. Bank Business Altitude Power Visa Signature
$180
6.00%
Gas
5x
$1,920
Hilton Honors Business
$96
5.00%
U.S. Bank Business Altitude Power Visa Signature
$38
2.00%
General
5x
$11,040
Hilton Honors Business
$552
5.00%
U.S. Bank Business Altitude Power Visa Signature
$221
2.00%
Total annual spend
$29,160 across this mix
Hilton Honors Business$1,668
U.S. Bank Business Altitude Power Visa Signature$703
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 | U.S. Bank Business Altitude Power Visa Signature Card |
|---|---|---|
| Costs | ||
| Annual fee | $195 | $195 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | — | 2.5x 2.5X points on up to $5,000 in combined mobile wallet and virtual card purchases each quarter. |
| Travel rewards | 12x 12X Hilton Honors points on eligible Hilton purchases. | 6x 6X points on prepaid hotels and car rentals booked directly in the Travel Center. |
| All rewards | 5x 5X points on other eligible purchases on the first $100,000 per year, then 3X thereafter. | 2x |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more | Business Spend Management · No Foreign Transaction Fees · Business Account Controls · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | amex | — |
| Reward type | Points | Points |
Costs
Annual fee
Hilton Honors Business Card
$195
U.S. Bank Business Altitude Power Visa Signature Card
$195
Foreign transaction fee
Hilton Honors Business Card
None
U.S. Bank Business Altitude Power Visa Signature Card
None
Rewards
Other rewards
Hilton Honors Business Card
—
U.S. Bank Business Altitude Power Visa Signature Card
2.5x
2.5X points on up to $5,000 in combined mobile wallet and virtual card purchases each quarter.
Travel rewards
Hilton Honors Business Card
12x
12X Hilton Honors points on eligible Hilton purchases.
U.S. Bank Business Altitude Power Visa Signature Card
6x
6X points on prepaid hotels and car rentals booked directly in the Travel Center.
All rewards
Hilton Honors Business Card
5x
5X points on other eligible purchases on the first $100,000 per year, then 3X thereafter.
U.S. Bank Business Altitude Power Visa Signature Card
2x
Benefits
Estimated benefits
Hilton Honors Business Card
4 listed
U.S. Bank Business Altitude Power Visa Signature Card
4 listed
Benefit highlights
Hilton Honors Business Card
Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more
U.S. Bank Business Altitude Power Visa Signature Card
Business Spend Management · No Foreign Transaction Fees · Business Account Controls · +1 more
Profile
Credit needed
Hilton Honors Business Card
Good
U.S. Bank Business Altitude Power Visa Signature Card
Good
Network
Hilton Honors Business Card
amex
U.S. Bank Business Altitude Power Visa Signature Card
—
Reward type
Hilton Honors Business Card
Points
U.S. Bank Business Altitude Power Visa Signature Card
Points