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Capital One Spark Miles for Business vs Hilton Honors American Express Aspire

Both are well-respected travel cards. The Capital One Spark Miles for Business comes from Capital One at $95/yr; the Hilton Honors American Express Aspire from American Express at $550/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.

FeatureCapital One Spark Miles for BusinessHilton Honors American Express Aspire
Annual fee$95$550
Sign-up bonus50,000 miles150,000 points
Bonus value (est.)$900$750
Min spend to unlock bonus$4,500 in 3 mo$6,000 in 6 mo
IssuerCapital OneAmerican Express
Card categorybusinesshotel
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-oneNone
Headline benefits
  • 2x on everything
  • Transfers to 15+ partners
  • No FX fees
  • Global Entry credit
  • Automatic Diamond status
  • Free weekend night certificate
  • $250 resort credit
  • Priority Pass lounge access
Read the full review
Capital One Spark Miles for Business
$95/yr · 50,000 miles
Read the full review
Hilton Honors American Express Aspire
$550/yr · 150,000 points

Editorial take: Capital One Spark Miles for Business

The strongest catch-all 2x business card with transferable points. The annual fee is waived first year; the Capital One transfer chart includes Aeroplan, Flying Blue, Turkish, and Virgin Atlantic — enough to make 2x meaningful.

Editorial take: Hilton Honors American Express Aspire

Pretty much a no-brainer if you stay at Hilton hotels. The $550 annual fee pays for itself with just the free night reward alone, which can be used at any standard room property — even $1,000+ per night hotels.

Common questions

Which card has the bigger sign-up bonus, Capital One Spark Miles for Business or Hilton Honors American Express Aspire?
The Capital One Spark Miles for Business has the bigger bonus — 50,000 miles, worth roughly $900, versus 150,000 points (~$750) on the Hilton Honors American Express Aspire.
Is the Capital One Spark Miles for Business's $95 annual fee worth it compared to the Hilton Honors American Express Aspire?
At $95/yr, the Capital One Spark Miles for Business is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Hilton Honors American Express Aspire's — pick the one whose perks you'll actually use.
Can I have both the Capital One Spark Miles for Business and Hilton Honors American Express Aspire?
Yes, since they're from different issuers (Capital One and American Express) 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 Capital One Spark Miles for Business or the Hilton Honors American Express Aspire first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Miles for Business: $4,500 spend in 3 months. Hilton Honors American Express Aspire: $6,000 in 6 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.