Amtrak Guest Rewards vs Hilton Honors Business
Amtrak Guest Rewards
$0/yr
7.0/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Amtrak Guest Rewards charges no annual fee with 1X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Amtrak Guest Rewards 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
Amtrak Guest Rewards
Lower annual fee ($0 vs $175)
Rewards Earning
Hilton Honors Business
7 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Hilton Honors Business
$60 in annual credits
Flexibility
Hilton Honors Business
Transferable points to airline/hotel partners
OUR PICK
Amtrak Guest Rewards wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for Amtrak Guest RewardsPREMIUM 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
Amtrak Guest Rewards
| Amtrak purchases | 3.0X |
| Dining | 2.0X |
| Everything else | 1.0X |
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 |