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All comparisons
Head-to-head, 2026

American Express Hilton Honors Business American Express Marriott Bonvoy Brilliant

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

Lower annual fee: American Express Hilton Honors Business

American Express

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
—
Min spend
$6,000 / 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
  • Upgrade to Hilton Honors Diamond Status (Spend Tier) · $0
  • Complimentary National Car Rental Status · $0
  • Baggage Insurance Plan · $0
Full American Express Hilton Honors Business review

American Express

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
$1,450
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy®
  • 3×Restaurants worldwide
  • 3×Flights booked directly with airlines
  • 2×All other eligible purchases

Key benefits

  • Free Night Award · $300
  • American Express Venue Collection Concessions Credit · $250
  • $100 Marriott Bonvoy Property Credit · $100
  • Global Entry or TSA PreCheck Credit · $30
  • Brilliant Earned Choice Award (Spend Tier) · $0
Full American Express Marriott Bonvoy Brilliant 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.

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