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All comparisons
Head-to-head, 2026

American Express Hilton Honors Business Chase Sapphire Preferred

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

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: American Express Hilton Honors Business

American Express

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
$780
Min spend
$6,000 / 6mo

Top earning rates

  • 12×hotels · Hilton Honors
  • 5×all other purchases · Hilton Honors
  • 3×all other purchases · Hilton Honors

Key benefits

  • Hilton Honors Gold Status · $250
  • Second Free Night Reward (after $60k spend) · $250
  • Priority Pass Select Membership · $250
  • No Foreign Transaction Fees · $50
Full American Express Hilton Honors Business review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
Full Chase Sapphire Preferred 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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