Is the Marriott Bonvoy Business® American Express® Card better than the Hilton Honors American Express Business Card?

If you frequently use Marriott Bonvoy properties and participate in their programs, then the Marriott Bonvoy Business Card may be better than the Hilton Honors Business Card and vice versa.

Can you get the Marriott Bonvoy Business® American Express® Card if you have the Hilton Honors American Express Business Card?

Yes, you can get both cards simultaneously, which could be beneficial if you frequently stay at both Marriott and Hilton properties. Both have high annual fees, but the combined benefits might outweigh the added expenses in the long run.

Can you transfer points from the Marriott Bonvoy Business® American Express® Card to the Hilton Honors American Express Business Card?

No. However, you can transfer points from the Marriott Bonvoy Business® American Express® Card to airline cards as miles.

Can you switch from the Marriott Bonvoy Business® American Express® Card to the Hilton Honors American Express Business Card?

Yes. However, you may consider keeping both as you can switch back and forth to different hotels you’d like to stay at.

Marriott Bonvoy Business® American Express® Card vs. The Hilton Honors American Express Business Card: Which Is Best for You?

Q: What’s harder to get, the Marriott Bonvoy Business® American Express® Card or the Hilton Honors American Express Business Card?

Both cards require a good credit score.

Q: How much do you have to spend for the Marriott Bonvoy Business® American Express® Card vs. the Hilton Honors American Express Business Card to get the welcome bonus?

With the Marriott Bonvoy Business Card, you must spend $3,000 within 3 months of card membership to earn the 75,000 Marriott Bonvoy bonus points. The Hilton Honors Business Card requires you to spend $3,000 in the first three months of card membership to earn 130,000 bonus points.

The Marriott Bonvoy Business® American Express® Card and The Hilton Honors American Express Business Card are great credit cards for small business owners who love staying at luxury hotels. MoneyGeek compared these two American Express cards to help you decide which one is better for your needs.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Using the Marriott Bonvoy Business® American Express® Card or The Hilton Honors American Express Business Card can reward you with some fantastic perks at these respective hotel brands. With either card, you’ll receive elite status, complimentary hotel stays and travel protection.

However, the variations in annual fees, rewards structure and other categories are critical to compare before choosing one card over the other. MoneyGeek discusses the differences between the two American Express credit cards to help you decide which is better for you.

OUR COMPARISON AT A GLANCE

Comparison Overview
Marriott Bonvoy Business® American Express® Card at a Glance
The Hilton Honors American Express Business Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Marriott Bonvoy Business® American Express® Card vs. The Hilton Honors American Express Business Card

Marriott Bonvoy Business® American Express® Card
The Hilton Honors American Express Business Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent
Good–Excellent

Marriott Bonvoy Business® American Express® Card At a Glance

The Marriott Bonvoy Business® American Express® Card offers outstanding rewards on eligible purchases, especially on Marriott properties where you earn 6X points per dollar. Cardmembers receive complimentary Silver Elite status, one free night at participating Marriott Bonvoy locations every year and the opportunity to redeem points for flights and car rentals. In our estimation, the luxury rewards and ample travel protection more than offsets the card’s $125 annual fee.

Marriott Bonvoy Business® American Express® Card
Great for hotel rewards and perks for business spending
- 2–6 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $125Annual Fee
- Good–ExcellentRecommended Credit
Pros
Earn free night awards
Significant hotel perks, including Gold Elite status
Generous welcome offer
No foreign transaction fees

Cons
Annual fee
Modest travel benefits
No intro APR offers
Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first six months of Card Membership. Offer Ends 11/1/23.
Earn 6X points on eligible Marriott Bonvoy hotels
Earn 4X points on restaurants, U.S. gas stations, wireless phone services (when purchased directly from U.S. providers) and U.S. shipping purchases
Earn 2X points on all other purchases
Earn three bonus Free Night Awards after you make $6,000 in purchases within the first six months of card membership (redemption level up to 50,000 points for each bonus Free Night Award at hotels participating in Marriott Bonvoy; certain hotels have resort fees)
Annual fee of $125 (see rates and fees)
Flexible points redemption: no blackout dates, no points limits and no expiration for points
Complimentary Gold Elite Status
Receive one free night award each year after renewal (redeemable for a stay at a Marriott property equivalent to up to 35,000 points)
Earn an additional free night after $60,000 spent in a calendar year
No foreign transaction fee (see rates and fees)
Free employee cards with individual limits (see rates and fees)
Travel insurance and consumer protections: secondary rental car insurance, lost, stolen or damaged luggage insurance, purchase protection and extended warranty. (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards at CardRatings.com.

The Hilton Honors American Express Business Card At a Glance

The Hilton Honors American Express Business Card has a $95 annual fee and generous benefits. Cardholders earn 12X points for every dollar spent with Hilton hotels and resorts, as well as 10 complimentary Priority Pass visits to select airport lounges each year. They are also automatically enrolled as a Hilton Honors Gold Elite member, eligible for room upgrades and more. Additionally, spending $15,000 on eligible purchases in one year with this card will get you a free weekend night stay.

The Hilton Honors American Express Business Card
Great for earning Hilton Honors points
- 3–12 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
Pros
Attainable welcome offer
Hotel perks, including status and free nights
Variety of earning categories
No foreign transaction fees

Cons
Hilton points have a lower value than competitors
Modest annual fee
Earn 12X Hilton Honors Bonus Points on direct Hilton hotel purchases
Earn 2X to 8X points at restaurants using the Hilton Honors Dining Program
Earn 6X points on select travel and business purchases
Earn 3X points on Lyft rides
Earn 3X points on all other spending
Earn 130,000 points after spending $3,000 in the first three months
Earn 10,000 points every 10 nights after you’ve stayed 30 nights in a calendar year, then 30,000 points every 10 nights after you’ve stayed 60 nights in a year
Complimentary Hilton Honors Gold Status, including boosted base points and every fifth night free on reward stays
Receive one free night each year after spending $15,000 and a second free night after spending $45,000 in a calendar year
Receive 10 complimentary visits each year to Priority Pass Select lounges
Earn points and discounts on car rentals with Alamo, Enterprise or National Rental Car
Annual fee of $95 (See rates and fees)
No foreign transaction fee (See rates and fees)
Flexible points redemption: no blackout dates, points caps or point expiration (as long as your membership is active at least every 12 months)
Free employee cards with individual limits
Travel insurance and consumer protections: travel and emergency assistance, baggage insurance, car rental insurance, purchase protection and extended warranty (Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company)
Terms apply
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek’s Marriott Bonvoy Business® American Express® Card vs. The Hilton Honors American Express Business Card comparison helps to determine which one is better for you.

Card Detail	Comparison Summary
Travel Coverage and Purchase Protection	The Marriott Bonvoy Business® American Express® Card provides a wide range of insurance coverage including travel accident insurance, rental car theft and damage, flight delay, lost or stolen baggage and travel emergency assistance. It also offers buyers a protection plan that can help if a new covered purchase is damaged or stolen within 90 days. The Hilton Honors American Express Business Card provides the same purchase protection plan, in addition to baggage insurance and rental car loss and damage insurance. Winner: Marriott Bonvoy Business® American Express® Card
Welcome Bonus	The Marriott Bonvoy Business® American Express® Card offers 75,000 bonus points for spending $3,000 in the first three months. The Hilton Honors American Express Business Card gives 130,000 bonus points for spending $2,000 in the first three months. Winner: Hilton Honors American Express Business Card
Rewards	With the Marriott Bonvoy Business® American Express® Card, you can earn 6X points for every $1 in card purchases at participating Marriott Bonvoy properties, 4X points on eligible gas, travel and dining, and 2X points on all other purchases. Overall, the Hilton Honors American Express Business Card offers more points per purchase, allowing you to earn 12X points on direct purchases with Hilton hotels and resorts, 6X points on select business and travel purchases and 3X points for other purchases. Winner: Hilton Honors American Express Business Card
Annual Fee	The Marriott Bonvoy Business® American Express® Card annual fee is $150. The Hilton Honors American Express Business Card’s annual fee is $95. Winner: Hilton Honors American Express Business Card
Loyalty Programs	Both cards offer their own hotel-related loyalty programs. Marriott Bonvoy Business Cardholders receive an annual free night award, 15 annual Elite Night credits and can upgrade to Gold Elite status based on yearly purchases. On the other hand, the Hilton Honors Business Card will reward you with 10 complimentary Priority Pass visits to over 1,200 airport lounges each year and status upgrades to Diamond after spending $40,000 on eligible purchases in one year. Winner: Tie

Which Card Should You Get?

When choosing a hotel credit card, there are several factors to consider, including your financial goals, spending habits, desired benefits and hotel preferences.

Who Should Consider the Marriott Bonvoy Business® American Express® Card?

Business travelers who frequent Marriott hotels and other properties are the ideal users of the Marriott Bonvoy Business® American Express® Card.

People who use their card for daily business expenses will also reap ample rewards points on purchases in the U.S.
Individuals who want the Marriott Bonvoy Business Card to complement their other travel credit cards.
≫ More: Read Our Full Review

Who Should Consider the The Hilton Honors American Express Business Card?

The Hilton Honors American Express Business Card is ideal for small business owners who like to travel and stay at Hilton hotels and resorts.

Modest spenders will enjoy the lower annual fee and zero foreign transaction fees.
Hilton status-seekers will benefit from complimentary Gold Elite status, which they can later upgrade to Diamond with enough spending.
≫ More: Read Our Full Review

EXPERT OPINION

Both the Marriott Bonvoy Business® American Express® Card and The Hilton Honors American Express Business Card offer great value to their cardholders. However, the slight edge goes to the Hilton card as you have an opportunity to achieve the highest status with Hilton Honors, and the card has a slightly lower annual fee.

Other Helpful Decision-Making FAQs

Despite knowing the difference between the Marriott Bonvoy Business and Hilton Honors Business cards, you may be undecided about which one to choose. Below, MoneyGeek answers some questions that may help you make an informed decision.

Still Not Sure About These Cards? Consider These Options

If you’re still undecided between the Marriott Bonvoy Business® American Express® Card and the Hilton Honors American Express Business Card, you can check out our top picks of business credit cards and rewards credit cards to see if there are better options for you.

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sources

American Express. "Marriott Bonvoy Business American Express Card." Accessed January 7, 2022.
American Express. "Hilton Honors American Express Business Card." Accessed January 7, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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