Customized Cash Rewards vs Hilton Honors Business
Customized Cash Rewards
$0/yr
7.0/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Customized Cash Rewards charges no annual fee with 1X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Customized Cash Rewards offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Customized Cash Rewards →
PointsPick may earn a commission. Disclosure
Apply for Hilton Honors Business →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Customized Cash 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
Customized Cash Rewards wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for Customized Cash 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
Customized Cash Rewards
| Choice category (gas, dining, travel, etc.) | 3.0X (up to $2,500) |
| Grocery stores & wholesale clubs | 2.0X (up to $2,500) |
| 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 |