Choosing between the Hilton Honors American Express Card (no annual fee) and the U.S. Bank Business Altitude Power World Elite Mastercard (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 7.0%. 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. Earns a solid 3.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 6%. 2x on all, 2.5x on mobile up to $5k/quarter, 6x on prepaid travel. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Hilton Honors American Express Card | U.S. Bank Business Altitude Power World Elite Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | 70,000 points after $2,000 spend in 6 months | 75,000 points after $10,000 spend in 120 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>3.0%</strong> | 2.0% |
| Travel Rewards | <strong>7.0%</strong> | 6% |
| Dining Rewards | <strong>5%</strong> | 2% |
| Groceries Rewards | <strong>5%</strong> | 2% |
| Gas Rewards | <strong>5%</strong> | 2% |
| Key Benefits | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. | 2x on all, 2.5x on mobile up to $5k/quarter, 6x on prepaid travel. |
Hilton Honors American Express Card pulls ahead for travel, dining, groceries, gas spending.
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