British Airways Visa Signature® Card vs Hilton Honors American Express Business Card
Side-by-side comparison
| British Airways Visa Signature® Card | Hilton Honors American Express Business Card | |
|---|---|---|
| Annual fee | $95 | $195 |
| Welcome offer | 75,000 Avios | 130,000 points |
| Advertising | 1% | 3% |
| Shipping | 1% | 5% |
| Office supplies | 1% | 3% |
| Phone & internet | 1% | 5% |
| Travel | 3% | 5% |
| Everything else | 1% | 3% |
| Est. yearly rewards* | $546 | $1,638 |
| Points type | Locked to Avios | Locked to Hilton Honors |
| Network | Visa | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the British Airways Visa Signature® Card earns about $546 a year in rewards and the Hilton Honors American Express Business Card about $1,638, valuing every point at a flat 1 cent. The British Airways Visa Signature® Card charges $95, which you clear through its rewards and perks. The Hilton Honors American Express Business Card charges $195, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors American Express Business Card delivers more total value, about $992 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Hilton Honors American Express Business Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors American Express Business Card if your spending leans toward advertising, shipping, office supplies.