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All comparisons
Head-to-head, 2026

American Express Hilton Honors Business American Express Platinum

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

Platinum

Annual fee
$895
Network
amex
Welcome value
$1,750
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or Amex Travel · Membership Rewards
  • 5×Prepaid hotels booked through Amex Travel · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • American Express Venue Collection™ · $250
Full American Express Platinum 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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