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Hilton Honors American Express Business Card vs Chase Sapphire Preferred

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the Chase Sapphire Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Sapphire Preferred is the stronger pick today — the sign-up bonus is meaningfully larger ($625 more in estimated value) than the Hilton Honors American Express Business Card's. Get the Chase Sapphire Preferred first; revisit the Hilton Honors American Express Business Card after you've earned that bonus.

FeatureHilton Honors American Express Business CardChase Sapphire Preferred
Annual fee$195$95
Sign-up bonus175,000 points75,000 points
Bonus value (est.)$875$1,500
Min spend to unlock bonus$8,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhoteltravel
Best earning category (Hilton)12x1x
Transfer partnershilton-honorschase-ur
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 10+ partners
Read the full review
Hilton Honors American Express Business Card
$195/yr · 175,000 points
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points

Editorial take: Hilton Honors American Express Business Card

If you stay at Hiltons, this is the underrated middle tier — the $60/quarter credit + the $15k-spend Free Night routinely cover the $195 fee, and Gold status is real value at any Hilton property.

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or Chase Sapphire Preferred?
The Chase Sapphire Preferred has the bigger bonus — 75,000 points, worth roughly $1,500, versus 175,000 points (~$875) on the Hilton Honors American Express Business Card.
Is the Hilton Honors American Express Business Card's $195 annual fee worth it compared to the Chase Sapphire Preferred?
At $195/yr, the Hilton Honors American Express Business Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Sapphire Preferred's — pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and Chase Sapphire Preferred?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Hilton Honors American Express Business Card or the Chase Sapphire Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Business Card: $8,000 spend in 6 months. Chase Sapphire Preferred: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.