Business Green Rewards vs Hilton Honors American Express Card
Annual fees: Business Green Rewards $95/yr, Hilton Honors American Express Card $0/yr. Strongest bonus categories: Business Green Rewards on everyday spending, Hilton Honors American Express Card on dining.
Card data as of November 13, 2026.
Business Green RewardsAmerican Express · $95/yr
Hilton Honors American Express CardAmerican Express · No annual fee
Overview
- Annual fee
- Business Green Rewards$95Hilton Honors American Express Card$0Lowest
- Welcome offerCurrent public offer
- Business Green Rewards15,000 pointsHilton Honors American Express Card70,000 points
- Rewards
- Business Green RewardsAmerican Express Membership RewardsHilton Honors American Express CardHilton Honors
- Foreign transaction fee
- Business Green Rewards2.7%Hilton Honors American Express CardNoneLowest
- Network
- Business Green RewardsAmerican ExpressHilton Honors American Express CardAmerican Express
Earn ratesPer $1 spent
- Dining
- Business Green Rewards1xHilton Honors American Express Card5xHighest
- Gas Stations
- Business Green Rewards1xHilton Honors American Express Card5xHighest
- Grocery Stores
- Business Green Rewards1xHilton Honors American Express Card5xHighest
- Everything else
- Business Green Rewards1xHilton Honors American Express Card3xHighest
Perks & access— means none on record
- Hotel status & programs
- Business Green Rewards—Hilton Honors American Express Card
- Automatic Hilton Honors Silver Elite Status
- Other perks
- Business Green Rewards
- Personalized Amex Offers
- Free Employee Cards
- Business Expense Tracking
- Flexible Spending Limit
- Pay Over Time for Flexibility
Hilton Honors American Express Card- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Baggage
- Business Green Rewards
- Baggage Insurance Plan · up to $1,250
Hilton Honors American Express Card— - Rental car
- Business Green Rewards
- Car Rental Loss and Damage Insurance
Hilton Honors American Express Card- Car rental insurance (secondary coverage)
- Purchase & returns
- Business Green Rewards
- Purchase Protection
Hilton Honors American Express Card- Up to $1,000 per item against damage or theft
- Extended warranty
- Business Green Rewards
- Extended Warranty
Hilton Honors American Express Card— - Other protections
- Business Green Rewards
- Global Assist® Hotline
Hilton Honors American Express Card- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- Business Green Rewards—Hilton Honors American Express Card
- No annual fee ever
- Automatic Hilton Silver status with 20% bonus points and late checkout
- Path to Gold status after $20,000 annual spend
- Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
- No foreign transaction fees
- Cons
- Business Green Rewards—Hilton Honors American Express Card
- Only Silver status (lower than Surpass/Aspire Gold grants)
- Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
- No annual credits or free night rewards
- Points locked to Hilton with no transfer flexibility
- Amex network less accepted internationally than Visa/Mastercard
Category-by-Category Winner
The Hilton Honors American Express Card wins in 4 of 4 categories. The Business Green Rewards leads in 0.
Dining
Hilton Honors American Express Card earns 5X vs 1X
Grocery Stores
Hilton Honors American Express Card earns 5X vs 1X
Gas Stations
Hilton Honors American Express Card earns 5X vs 1X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Hilton Honors American Express Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Business Green Rewards | Hilton Honors American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $85 Year one: $310 | Rewards: $182 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $182 Year one: $462 | Hilton Honors American Express Card | Hilton Honors American Express Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $625 Year one: $850 | Rewards: $730 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $730 Year one: $1,010 | Hilton Honors American Express Card | Hilton Honors American Express Card |
Is the Fee Difference Worth It?
The Business Green Rewards costs $95/yr — that's $95 more than the Hilton Honors American Express Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Business Green Rewards needs roughly $95 more in annual rewards (or credits you will use) to break even on everyday spending and everyday spend.
Which Card Is Right for You?
Get the Hilton Honors American Express Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Hilton Honors American Express Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 3X on the Hilton Honors American Express Card vs 1X on the other card.
Published annual fees: Business Green Rewards $95/yr, Hilton Honors American Express Card $0/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Business Green Rewards worth the higher annual fee?
- The Business Green Rewards costs $95/yr vs $0/yr for the Hilton Honors American Express Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Business Green Rewards or Hilton Honors American Express Card?
- The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Business Green Rewards or the Hilton Honors American Express Card?
- Use the spend scenarios on this page: the Hilton Honors American Express Card has a lower $0/yr fee; the Business Green Rewards must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.