Capital One Spark Miles vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of Capital One Spark Miles and Hilton Honors American Express Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Capital One Spark Miles wins on our scorecard (8/10 vs 7.4/10).
| Scored on | Capital One Spark Miles | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 9 |
| Fees & pricing | 10 | 6 |
| Customer support | 6 | 7 |
| Features | 7 | 8 |
| Annual Fee | $0 | $195 |
| Foreign Transaction Fee | None | $0 |
| Purchase APR | 20.99% - 28.99% Variable | 20.99% - 29.99% Variable |
| Late Payment Fee | Up to $39 | Up to $40 |
Capital One Spark Miles in one paragraph
A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Skip it if: Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
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, Capital One Spark Miles or Hilton Honors American Express Business Card?
On our five-axis scorecard, Capital One Spark Miles scores higher (8/10 vs 7.4/10). A top-tier choice for simple 2% travel rewards if you don't mind your business debt appearing on your personal credit report.
Who should skip Capital One Spark Miles?
Skip it if you carry high monthly balances that could negatively impact your personal credit score due to high utilization reporting.
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.