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All comparisons
Head-to-head, 2026

American Express Blue Cash EveryDay American Express Hilton Honors Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Cash EveryDay

American Express

Blue Cash EveryDay

Annual fee
$0
Network
amex
Welcome value
—
Min spend
$2,000 / 6mo

Top earning rates

  • 3×Groceries at U.S. supermarkets
  • 3×U.S. Online Retail purchases
  • 3×Gas at U.S. gas stations
  • 1×Other eligible purchases

Key benefits

  • $180 Home Chef Credit · $15
  • $84 Disney Streaming Credit · $7
  • American Express Venue Collection · $0
  • Amex Event Perks · $0
  • Purchase Protection · $0
Full American Express Blue Cash EveryDay review

American Express

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 12×Hotels · Hilton Honors
  • 5×Shipping · Hilton Honors
  • 5×Wireless_services · Hilton Honors
  • 5×Flights · Hilton Honors

Key benefits

  • $240 Hilton Credit · $60
  • Employee Cards · $0
  • Vendor Pay by BILL · $0
  • Hilton Honors® Gold Status · $0
  • Upgrade to Hilton Honors Diamond Status (Spend Tier) · $0
Full American Express Hilton Honors Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer