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.

Advertising & Editorial DisclosureLast Updated: 12/7/2022

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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
Excellent card for maximizing the rewards you earn while traveling
- Good–ExcellentRecommended Credit
- $125Annual Fee
- 2–6 Points per $1*Rewards Rate
- 6xRewards Rate at Hotels
- 4xRewards Rate on TV, Phone, Internet Services
Pros
Earn 125,000 Bonus Marriott Bonvoy Points by spending $5,000 within three months. The offer expires on 5/3/23.
Earn up to 6 points per $1
Redeem points for free Marriott nights, air travel or cab rentals
No blackout dates when you redeem points for free nights
No foreign transaction fees
No over-limit fees
Employee cards
Free night awards
Marriott-specific benefits
Travel and purchase covers

Cons
High annual fees
Penalty APR applies if you make a late payment
Mandatory service and resort charges might apply at some Marriott hotels when you redeem points for free nights
Become a Marriott Bonvoy Business member automatically.
Earn 125,000 Bonus Marriott Bonvoy Points by spending $5,000 within three months. The offer expires on 5/3/23.
Earn 6 points per $1 on eligible purchases at participating Marriott Bonvoy hotels.
Earn 4 points per $1 on eligible purchases in the U.S. at gas stations, at restaurants, on wireless telephone services purchased directly from service providers and on shipping purchases.
Earn 2 points on all other eligible purchases.
Redeem points for free Marriott nights as well as for air travel and cab rentals through different travel partners.
Earn a one free night award every year and qualify for another if your annual spending exceeds $60,000.
Get complimentary premium in-room internet access when you stay at participating Marriott Bonvoy hotels.
Earn Elite night credits to get closer to the next level of your Marriott Bonvoy Elite status.
Pay no international transaction fees.
Benefit through intro offers for new cardholders.
Get baggage insurance, car rental loss and damage insurance, purchase protection and extended warranty.
Get employee cards and set individual spending limits.
Get access to a range of Amex offers.
Simplify accounting by designating account managers and getting year-end summaries.
Use Vendor Pay to improve cash flow.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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
This business credit card is perfect for earning Hilton Honors points
- Good–ExcellentRecommended Credit
- $95Annual Fee
- 3–12 Points per $1*Rewards Rate
- 12xRewards Rate at Hotels
- 6xRewards Rate on Gas
Pros
Ability to earn considerable bonus points
High reward rates across multiple categories
Complimentary Hilton Honors Gold status
Spend-based free night rewards
No foreign transaction fees
Additional employee cards
Dedicated account manager
Integration with QuickBooks and year-end expense summaries

Cons
Annual fee of $95
Reward nights are spending-based
Reward nights expire after one year of issuance
Cash advance fee
Penalty APR may apply in case of late and returned payments
Earn 165,000 bonus points if you spend $5,000 on purchases in the first three months. The offer ends on 4/5/23.
Spending at properties within the Hilton portfolio comes with 12X points.
You earn 6X points at U.S. restaurants, at U.S. gas stations, on wireless telephone service purchased directly from U.S. service providers, on U.S. purchases for shipping, on car rentals booked directly through select companies and on flights that you book through Amex Travel or directly with airlines.
You earn 3X points on all other purchases.
Any additional employee cards you get earn reward points as well.
If you spend $15,000 on purchases in a calendar year, you earn a free night reward.
If you spend a total of $60,000 on purchases in a calendar year, you earn an additional free night reward.
By enrolling in the Priority Pass Select program, you get 10 complimentary airport lounge visits each year.
Safeguard your travels and purchases through car rental loss and damage insurance, baggage insurance plan, purchase protection and extended warranty.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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.

View All Credit Cards

Learn more about credit cards in general

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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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