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Capital One Spark Cash vs Hilton Honors American Express Card
This comparison aims to assist users in deciding between the Capital One Spark Cash and the Hilton Honors American Express Card. Both cards offer unique benefits and rewards tailored to different spending habits and preferences.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses looking to earn cash back on every purchase. It features a straightforward rewards structure, allowing users to earn 2% cash back without worrying about category restrictions. This card is ideal for business owners who want to maximize their cash back rewards while maintaining a traditional credit line.
Hilton Honors American Express Card
The Hilton Honors American Express Card is designed for travelers, particularly those who frequently stay at Hilton hotels. With an attractive rewards program focused on earning Hilton Honors points, cardholders can enjoy various travel-related perks, including complimentary hotel status upgrades, making it a great choice for avid travelers.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $0 |
| Welcome Bonus | Earn $750 cash back after spending $7,500 in the first 3 months | Earn 80,000 Hilton Honors Bonus Points after spending $2,000 in the first 6 months |
| Rewards Structure | 2% cash back on every purchase | 7X points on Hilton purchases, 5X on U.S. restaurants, supermarkets, gas stations, 3X on other purchases |
| Foreign Transaction Fee | No | No |
| Other Fees | Standard late fees apply | Standard late fees apply |
| Additional Benefits | Free employee cards, no expiration on rewards | Complimentary Hilton Honors™ Silver status, upgrade to Gold status with spending |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Hilton Honors American Express Card
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
Pros and Cons
Capital One Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases
- Generous welcome bonus
- Free employee cards
- No foreign transaction fees
- Cons:
- Annual fee applies after the first year
- Higher spending requirement for welcome bonus
Hilton Honors American Express Card
- Pros:
- No annual fee
- Rich rewards structure for Hilton stays
- Complimentary hotel status
- Cons:
- Limited to Hilton-related rewards for maximum benefit
- Lower cash back on non-Hilton purchases
Who Should Consider Which Card?
The Capital One Spark Cash is ideal for business owners who prefer simplicity and value cash back on all purchases without restrictions. In contrast, the Hilton Honors American Express Card is best suited for frequent travelers, particularly those who regularly stay at Hilton properties and can take advantage of the extensive rewards and perks associated with Hilton Honors points.
Conclusion
When choosing between the Capital One Spark Cash and the Hilton Honors American Express Card, consider your personal spending habits and financial goals. Whether you prioritize cash back simplicity or travel rewards, both cards offer valuable benefits tailored to different lifestyles.