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
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.
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
$1,290 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.
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.
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
World of Hyatt Business
$54
1.00%
Hilton Honors Business
$270
5.00%
Groceries
1x
$7,800
World of Hyatt Business
$78
1.00%
Hilton Honors Business
$390
5.00%
Travel
4x
$3,000
World of Hyatt Business
$120
4.00%
Hilton Honors Business
$360
12.00%
Gas
1x
$1,920
World of Hyatt Business
$19
1.00%
Hilton Honors Business
$96
5.00%
General
1x
$11,040
World of Hyatt Business
$110
1.00%
Hilton Honors Business
$552
5.00%
Total annual spend
$29,160 across this mix
World of Hyatt Business$382
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 | World of Hyatt Business Credit Card | Hilton Honors Business Card |
|---|---|---|
| Costs | ||
| Annual fee | $199 | $195 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | 2x 2X points in your top three eligible spend categories each quarter. | — |
| Travel rewards | 4x 4X points on Hyatt purchases with the card. | 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 | 60,000 bonus points Spend $5,000 in 3 mo | — |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | World of Hyatt Elite Value · Chase Business Account Tools · No Foreign Transaction Fees · +1 more | Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | amex |
| Reward type | Points | Points |
Costs
Annual fee
World of Hyatt Business Credit Card
$199
Hilton Honors Business Card
$195
Foreign transaction fee
World of Hyatt Business Credit Card
None
Hilton Honors Business Card
None
Rewards
Other rewards
World of Hyatt Business Credit Card
2x
2X points in your top three eligible spend categories each quarter.
Hilton Honors Business Card
—
Travel rewards
World of Hyatt Business Credit Card
4x
4X points on Hyatt purchases with the card.
Hilton Honors Business Card
12x
12X Hilton Honors points on eligible Hilton purchases.
All rewards
World of Hyatt Business 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
World of Hyatt Business Credit Card
60,000 bonus points
Spend $5,000 in 3 mo
Hilton Honors Business Card
—
Benefits
Estimated benefits
World of Hyatt Business Credit Card
4 listed
Hilton Honors Business Card
4 listed
Benefit highlights
World of Hyatt Business Credit Card
World of Hyatt Elite Value · Chase Business Account Tools · No Foreign Transaction Fees · +1 more
Hilton Honors Business Card
Hilton Honors Status Perks · Amex Offers Access · Purchase and Warranty Protections · +1 more
Profile
Credit needed
World of Hyatt Business Credit Card
Good
Hilton Honors Business Card
Good
Network
World of Hyatt Business Credit Card
—
Hilton Honors Business Card
amex
Reward type
World of Hyatt Business Credit Card
Points
Hilton Honors Business Card
Points