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Hilton Honors American Express Business Card vs United Club Business Card

Both are well-respected travel cards. The Hilton Honors American Express Business Card comes from American Express at $195/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureHilton Honors American Express Business CardUnited Club Business Card
Annual fee$195$695
Sign-up bonus175,000 points75,000 miles
Bonus value (est.)$875$1,050
Min spend to unlock bonus$8,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhotelbusiness
Best earning category (Hilton)12x1x
Transfer partnershilton-honorsmileageplus
Headline benefits
  • 12x at Hilton
  • Free night cert after $15k spend
  • Second free night after $60k
  • Hilton Gold status
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Hilton Honors American Express Business Card
$195/yr · 175,000 points
Read the full review
United Club Business Card
$695/yr · 75,000 miles

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: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Common questions

Which card has the bigger sign-up bonus, Hilton Honors American Express Business Card or United Club Business Card?
The United Club Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, 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 United Club Business Card?
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 United Club Business Card's — pick the one whose perks you'll actually use.
Can I have both the Hilton Honors American Express Business Card and United Club Business Card?
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 United Club Business Card 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. United Club Business Card: $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.