Hilton Honors American Express Business Card vs Ink Business Cash®
Side-by-side comparison
| Hilton Honors American Express Business Card | Ink Business Cash® | |
|---|---|---|
| Annual fee | $195 | No annual fee |
| Welcome offer | 130,000 points | |
| Advertising | 3% | 1% |
| Shipping | 5% | 1% |
| Office supplies | 3% | 5% |
| Phone & internet | 5% | 5% |
| Travel | 5% | 1% |
| Everything else | 3% | 1% |
| Est. yearly rewards* | $1,638 | $684 |
| Points type | Locked to Hilton Honors | Pools with Chase → transferable |
| Network | Amex | Visa |
*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 American Express Business Card earns about $1,638 a year in rewards and the Ink Business Cash® about $684, valuing every point at a flat 1 cent. The Hilton Honors American Express Business Card charges $195, which you clear through its rewards and perks. The Ink Business Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Hilton Honors American Express Business Card delivers more total value, about $759 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and travel. The bigger difference is the ceiling: the Ink Business Cash® earns points you can move to travel partners for outsized value, while the Hilton Honors American Express Business Card stays locked to a single airline or hotel program. Favor the Ink Business Cash® if you will use travel transfers, the Hilton Honors American Express Business Card if you want simplicity. On the sign-up bonus, the Hilton Honors American Express Business Card currently has the larger welcome offer. Note that Ink Business Cash® 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 American Express Business Card if your spending leans toward advertising, shipping, travel. Pick the Ink Business Cash® if your spending leans toward office supplies.