Hilton Honors American Express Business Card vs PayPal Cashback Mastercard
Side-by-side comparison
| Hilton Honors American Express Business Card | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | $195 | No annual fee |
| Welcome offer | 130,000 points | No current offer |
| Advertising | 3% | 1.5% |
| Shipping | 5% | 1.5% |
| Office supplies | 3% | 1.5% |
| Phone & internet | 5% | 1.5% |
| Travel | 5% | 1.5% |
| Everything else | 3% | 1.5% |
| Est. yearly rewards* | $1,638 | $675 |
| Points type | Locked to Hilton Honors | Cash back only |
| 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 American Express Business Card earns about $1,638 a year in rewards and the PayPal Cashback Mastercard about $675, 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 PayPal Cashback Mastercard 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 $768 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and travel. 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.