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Capital One Spark Cash vs The Hilton Honors American Express Business Card
This comparison aims to assist you in deciding between the Capital One Spark Cash and the The Hilton Honors American Express Business Card. Both cards offer unique benefits tailored to different spending habits and financial goals. Let’s explore their features in detail.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that prefer simplicity and rewards. With a strong cash back structure and an attractive welcome bonus, it caters to those looking to earn rewards on everyday purchases without the hassle of tracking categories.
The Hilton Honors American Express Business Card
The The Hilton Honors American Express Business Card is ideal for frequent travelers and Hilton loyalists. This card offers robust rewards on Hilton purchases and provides various travel-related benefits, including complimentary hotel status upgrades and statement credits.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | The Hilton Honors American Express Business Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $195 |
| Welcome Bonus | Earn $750 cash back after spending $7,500 in the first 3 months | Earn 130,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months |
| Rewards Structure | 2% cash back on every purchase | 12X on Hilton purchases, 5X on first $100,000 in other purchases, 3X thereafter |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | Terms apply |
| Additional Benefits | Free employee cards, cash back never expires | Complimentary Gold Status, statement credits for Hilton purchases |
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
The Hilton Honors American Express Business Card
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
- 3X on all other eligible purchases. Terms & Limitations Apply.
Pros and Cons
Capital One Spark Cash
- Pros:
- No annual fee for the first year
- Unlimited 2% cash back on all purchases
- Simple rewards structure
- No foreign transaction fees
- Cons:
- $95 annual fee after the first year
- Lower rewards potential for travel-related expenses
The Hilton Honors American Express Business Card
- Pros:
- High rewards on Hilton purchases
- Complimentary Gold Status
- Quarterly statement credits for Hilton expenses
- Robust travel benefits
- Cons:
- Higher annual fee
- Complex rewards structure
Who Should Consider Which Card?
- Capital One Spark Cash: Ideal for business owners who want a straightforward cash back card with no category restrictions and the ability to earn rewards on all purchases.
- The Hilton Honors American Express Business Card: Best suited for frequent travelers and Hilton loyalists seeking to maximize rewards on hotel stays and enjoy travel-related perks.
Conclusion
Both the Capital One Spark Cash and The Hilton Honors American Express Business Card offer distinct advantages tailored to different spending habits. Consider your individual needs and financial goals when making your decision to ensure you choose the card that best fits your lifestyle.