Hilton Honors vs Capital One Venture Business
Side-by-side comparison
| Hilton Honors | Capital One Venture Business | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | 100,000 Miles | |
| Advertising | 3% | 2% |
| Shipping | 3% | 2% |
| Office supplies | 3% | 2% |
| Phone & internet | 3% | 2% |
| Travel | 1% | 2% |
| Everything else | 3% | 2% |
| Est. yearly rewards* | $1,338 | $900 |
| Points type | Locked to Hilton Honors | Transfers to airlines & hotels |
| Network | Amex | Mastercard |
*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 Hilton Honors earns about $1,338 a year in rewards and the Capital One Venture Business about $900, valuing every point at a flat 1 cent. The Hilton Honors has no annual fee, so its rewards are all profit. The Capital One Venture Business charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Hilton Honors delivers more total value, about $533 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Venture Business earns points you can move to travel partners for outsized value, while the Hilton Honors stays locked to a single airline or hotel program. Favor the Capital One Venture Business if you will use travel transfers, the Hilton Honors if you want simplicity. On the sign-up bonus, the two are currently comparable in size. Note that Hilton Honors is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors if your spending leans toward advertising, shipping, office supplies. Pick the Capital One Venture Business if your spending leans toward travel.