American Express Blue Business Cash vs American Express Hilton Honors Business

Option A

American Express · No annual fee

Option B

American Express · $195/yr ($0 first year)

Spec	American Express	American Express
Annual fee	No annual fee	$195/yr ($0 first year)
Welcome bonus	$250 bonus	130,000 points bonus
Base rate	2%	5x
Top earn rates	1% all purchases	12x Hilton portfolio hotels and resorts 3x All other purchases (base rate, after the $100,000 calendar-year threshold)
Foreign tx fee	2.7%	None
Statement credits	None	None
Rewards	Cash back	Hilton Honors