Hilton Honors American Express Business Card vs Ramp Card: which one fits your business?
Side-by-side comparison of Hilton Honors American Express Business Card and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.3/10 vs 7.7/10).
| Scored on | Hilton Honors American Express Business Card | Ramp Card |
|---|---|---|
| Right fit for small biz | 9 | 7 |
| Ease of use | 8 | 8 |
| Fees & pricing | 7 | 10 |
| Customer support | 7 | 6 |
| Features | 8 | 9 |
| Annual Fee | $195 | $0 |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 20.99% - 29.99% Variable | — |
| Late Fee | — | None (account suspension instead) |
| Additional User Fee | — | $0 |
Hilton Honors American Express Business Card in one paragraph
A powerhouse for businesses with high miscellaneous spend who want to turn their overhead into luxury Hilton stays.
Skip it if: You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.
Read the full Hilton Honors American Express Business Card review
Ramp Card in one paragraph
Ramp is the gold standard for cash-rich businesses that want to trade 'points' for pure automation and a solid 1.5% return.
Skip it if: You need to carry a monthly balance or have less than $75,000 in your business bank account.
Frequently asked questions
Which is better, Hilton Honors American Express Business Card or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.3/10 vs 7.7/10). Ramp is the gold standard for cash-rich businesses that want to trade 'points' for pure automation and a solid 1.5% return.
Who should skip Hilton Honors American Express Business Card?
You prefer staying at boutique hotels or Marriott properties and don't want to be locked into one brand.
Who should skip Ramp Card?
You need to carry a monthly balance or have less than $75,000 in your business bank account.