Autograph vs Hilton Honors Business
Autograph
$0/yr
7.5/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Autograph charges no annual fee with 1X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Autograph offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Autograph →
PointsPick may earn a commission. Disclosure
Apply for Hilton Honors Business →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Autograph
Lower annual fee ($0 vs $175)
Rewards Earning
Autograph
7 earning categories
Benefits & Protection
Autograph
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
Autograph wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for AutographPREMIUM 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
Autograph
| Restaurants | 3.0X |
| Travel | 3.0X |
| Gas stations | 3.0X |
| Transit | 3.0X |
| Streaming | 3.0X |
| Phone plans | 3.0X |
| 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 |
Card Benefits: Detailed Comparison
Autograph (6 benefits)
- Auto Rental Collision Damage Waiver
- Purchase Security (up to $1,000)
- Extended Warranty Protection
- Cell Phone Protection (up to $600)
- Travel Accident Insurance (up to $250,000)
- Visa Roadside Dispatch
Hilton Honors Business (0 benefits)
See full review for benefits details.