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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Hilton AspireAmerican Express | Ink Business PreferredChaseBusiness |
|---|---|---|
| Costs & value | ||
| Annual fee | $550 Inferred by source | $95 Inferred by source |
| Realized value* | $789 | $0 |
| Net / year | +$239 | −$95 |
| Value check | Earns its keep | Earns its keep |
| Rewards | points | points |
| Cash advance (ATM) | Either $10 or 5% of each advance, whichever is greater Inferred by source | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | Priority Pass · 336enroll PP | — |
| Points & MilesFull breakdown → | ||
| Earn rates | 14× Hilton purchases Inferred by source 7× Flights (direct or Amex Travel), car rentals, US restaurants Inferred by source 3× Everything else Inferred by source | 3× Travel Inferred by source 3× Shipping purchases Inferred by source 3× Advertising on social media & search engines Inferred by source 3× Internet, cable & phone services Inferred by source 1× Everything else Inferred by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 0.5¢ per pt Estimated by source | 1.25¢ per pt Inferred by source |
| Hotel PerksFull breakdown → | ||
| Hilton Honors Diamond status | Included Inferred by source | — |
| Annual Free Night Reward | Included Inferred by source | — |
| CreditsFull breakdown → | ||
| Credits | 3 credits · $789/yr | — |
| ProtectionsFull breakdown → | ||
| Rental car CDW | Secondary theft/damage coverage Inferred by source | Primary CDW on business rentals (up to vehicle value) Inferred by source |
| Trip delay | Up to $500/trip (>6 hrs) Inferred by source | Up to $500/ticket (>12 hrs or overnight) Inferred by source |
| Baggage | Checked $2,000 / carry-on $3,000 per person Inferred by source | Lost/damaged up to $3,000/person per trip ($500 sub-limit for jewelry, cameras, electronics); delayed up to $100/day for up to 5 days when luggage arrives 6+ hours late Inferred by source |
| Trip cancellation | — | Up to $5,000/person, $10,000/trip Inferred by source |
| Travel accident | — | Up to $500,000 AD&D on common carriers; up to $100,000 for 24-hour travel coverage Inferred by source |
| Purchase protection | — | Up to $10,000/claim, $50,000/account/year; 120 days from purchase Inferred by source |
| Extended warranty | — | Extends manufacturer's US warranty by 1 additional year on warranties of 3 years or less; up to $10,000/claim, $50,000/account/year Inferred by source |
| Cell phone protection | — | Up to $1,000/claim for theft or damage when monthly bill paid with card; $100 deductible; max 3 claims per 12-month period Inferred by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Inferred by source | None Inferred by source |
| Apply & freshness | ||
| Data last verified | Jun 2, 2026 | Jun 17, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Hilton Honors American Express Aspire Card comes out ahead: by realized value minus the annual fee, the Hilton Honors American Express Aspire Card nets +$239/yr and the Ink Business Preferred® Credit Card nets −$95/yr. Which is actually better depends on your spending and which perks you'll use.
The Ink Business Preferred® Credit Card has the lower annual fee ($95 vs $550).
The Hilton Honors American Express Aspire Card includes lounge access (Priority Pass); the Ink Business Preferred® Credit Card does not.