BILL Divvy Card vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Hilton Honors American Express Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: BILL Divvy Card wins on our scorecard (8/10 vs 7.4/10).
| Scored on | BILL Divvy Card | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 9 |
| Fees & pricing | 9 | 6 |
| Customer support | 6 | 7 |
| Features | 9 | 8 |
| Annual Fee | $0 | $195 |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Foreign Transaction Fee | 0% - 1% | $0 |
| Purchase APR | — | 20.99% - 29.99% Variable |
BILL Divvy Card in one paragraph
A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Skip it if: You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
Hilton Honors American Express Business Card in one paragraph
A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
Skip it if: You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
Which is better, BILL Divvy Card or Hilton Honors American Express Business Card?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 7.4/10). A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Who should skip BILL Divvy Card?
You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
Who should skip Hilton Honors American Express Business Card?
You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.