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 (8.5/10 vs 7.4/10).
| Scored on | Hilton Honors American Express Business Card | Ramp Card |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 8 |
| Fees & pricing | 6 | 10 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Annual Fee | $195 | $0 |
| Foreign Transaction Fee | $0 | None |
| Late Payment Fee | Up to $40 | Varies by contract |
| Purchase APR | 20.99% - 29.99% Variable | — |
| Additional Employee Cards | — | $0 |
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
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, Hilton Honors American Express Business Card or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.4/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
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.
Who should skip Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.