Active Cash vs Hilton Honors Business
Active Cash
$0/yr
8.5/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Active Cash charges no annual fee with 2X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Active Cash offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Active Cash
Lower annual fee ($0 vs $175)
Rewards Earning
Hilton Honors Business
7 earning categories
Benefits & Protection
Active Cash
6 benefits vs 0
Statement Credits
Hilton Honors Business
$60 in annual credits
Flexibility
Hilton Honors Business
Transferable points to airline/hotel partners
OUR PICK
Active Cash wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for Active CashPREMIUM PICK
Hilton Honors Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Hilton Honors BusinessRewards Earning: Detailed Comparison
Active Cash
| Everything | 2.0X |
Hilton Honors Business
| Hilton hotels | 12.0X |
| US gas stations | 5.0X |
| US restaurants | 5.0X |
| Wireless phone services (US) | 5.0X |
| US shipping | 5.0X |
| US airlines (direct) | 5.0X |
| Everything else | 3.0X |
Card Benefits: Detailed Comparison
Active Cash (6 benefits)
- Auto Rental Collision Damage Waiver
- Visa Purchase Security (up to $10,000)
- Visa Extended Warranty Protection
- Cell Phone Protection (up to $800)
- Travel Accident Insurance (up to $250,000)
- Visa Roadside Dispatch
Hilton Honors Business (0 benefits)
No benefits data available