Hilton Honors American Express Business Card vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Hilton Honors American Express Business Card and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Hilton Honors American Express Business Card wins on our scorecard (7.4/10 vs 7.3/10).
| Scored on | Hilton Honors American Express Business Card | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 7 | 6 |
| Features | 8 | 8 |
| Annual Fee | $195 | $250 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | 20.99% - 29.99% Variable | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, Hilton Honors American Express Business Card or The Plum Card from American Express?
On our five-axis scorecard, Hilton Honors American Express Business Card scores higher (7.4/10 vs 7.3/10). A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.