First-year winner
Hilton Honors Business Card
$216 Year 1 edge
$1,473 vs $1,257
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
Ink Business Preferred Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Cell Phone Protection
Cell Phone · No listed cash value
Can provide coverage for eligible cell phone damage or theft when the monthly bill is paid with the card.
Perk
DashPass Membership and Quarterly Promos
Other · No listed cash value
Cardholders can receive a complimentary DashPass membership window plus rotating non-restaurant DoorDash promos.
Perk
Lyft Partner Offer
Other · No listed cash value
Eligible Lyft purchases can qualify for an elevated partner offer during the issuer's promotional period.
Perk
Primary Auto Rental Coverage
Rental Car · No listed cash value
Can provide primary coverage for theft and collision damage on eligible rental cars used for business purposes.
Perk
Trip Cancellation and Interruption Insurance
Travel Insurance · No listed cash value
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Perk
Trip Delay Reimbursement
Travel Insurance · No listed cash value
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible new purchases against damage or theft for a limited period after purchase.
Perk
Extended Warranty Protection
Extended Warranty · No listed cash value
Can extend the original U.S. manufacturer's warranty on eligible purchases.
Card B
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.
Verdict
Hilton Honors Business wins year 1 and long term.
Winner after year 1
Hilton Honors Business Card
$1,216 ongoing edge
$1,473 vs $257
Long-term breakeven: the higher-reward option needs roughly $2,215 per year in this spend mix to overcome the fee and benefit gap.
Chase
Ink Business Preferred Credit Card
Year One
$1,257
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$257
Annual rewards + counted benefits - fee
Annual Rewards
$352
1.21% effective return
Welcome Offer
$1,000
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$8,000
3 mo window · $2,667/mo pace · Stretch
Why it wins
- • Comes with a particularly strong 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 listed welcome-offer threshold looks aggressive for your monthly spend capacity.
- • The points value case is thinner without transfer-partner flexibility.
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.
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
1x
$5,400
Ink Business Preferred
$54
1.00%
Hilton Honors Business
$270
5.00%
Groceries
1x
$7,800
Ink Business Preferred
$78
1.00%
Hilton Honors Business
$390
5.00%
Travel
3x
$3,000
Ink Business Preferred
$90
3.00%
Hilton Honors Business
$360
12.00%
Gas
1x
$1,920
Ink Business Preferred
$19
1.00%
Hilton Honors Business
$96
5.00%
General
1x
$11,040
Ink Business Preferred
$110
1.00%
Hilton Honors Business
$552
5.00%
Total annual spend
$29,160 across this mix
Ink Business Preferred$352
Hilton Honors Business$1,668
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 | Ink Business Preferred Credit Card | Hilton Honors Business Card |
|---|---|---|
| Costs | ||
| Annual fee | $95 | $195 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | 3x Shipping, internet/cable/phone, and social/search advertising are in combined 3X categories up to annual cap. | — |
| Travel rewards | 3x Part of combined 3X categories, up to $150,000 per account anniversary year. | 12x 12X Hilton Honors points on eligible Hilton purchases. |
| All rewards | 1x | 5x 5X points on other eligible purchases on the first $100,000 per year, then 3X thereafter. |
| Offer | ||
| Welcome offer | 100,000 pts Spend $8,000 in 3 mo | — |
| Benefits | ||
| Estimated benefits | 8 listed | 4 listed |
| Benefit highlights | Cell Phone Protection · DashPass Membership and Quarterly Promos · Lyft Partner Offer · +5 more | Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | amex |
| Reward type | Points | Points |
Costs
Annual fee
Ink Business Preferred Credit Card
$95
Hilton Honors Business Card
$195
Foreign transaction fee
Ink Business Preferred Credit Card
None
Hilton Honors Business Card
None
Rewards
Other rewards
Ink Business Preferred Credit Card
3x
Shipping, internet/cable/phone, and social/search advertising are in combined 3X categories up to annual cap.
Hilton Honors Business Card
—
Travel rewards
Ink Business Preferred Credit Card
3x
Part of combined 3X categories, up to $150,000 per account anniversary year.
Hilton Honors Business Card
12x
12X Hilton Honors points on eligible Hilton purchases.
All rewards
Ink Business Preferred Credit Card
1x
Hilton Honors Business Card
5x
5X points on other eligible purchases on the first $100,000 per year, then 3X thereafter.
Offer
Welcome offer
Ink Business Preferred Credit Card
100,000 pts
Spend $8,000 in 3 mo
Hilton Honors Business Card
—
Benefits
Estimated benefits
Ink Business Preferred Credit Card
8 listed
Hilton Honors Business Card
4 listed
Benefit highlights
Ink Business Preferred Credit Card
Cell Phone Protection · DashPass Membership and Quarterly Promos · Lyft Partner Offer · +5 more
Hilton Honors Business Card
Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more
Profile
Credit needed
Ink Business Preferred Credit Card
Good
Hilton Honors Business Card
Good
Network
Ink Business Preferred Credit Card
visa
Hilton Honors Business Card
amex
Reward type
Ink Business Preferred Credit Card
Points
Hilton Honors Business Card
Points