Discover it® Cash Back vs Hilton Honors Business
Discover it® Cash Back
$0/yr
7.0/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Discover it® Cash Back charges no annual fee with 1X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Discover it® Cash Back offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Discover it® Cash Back →
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Winner by Category
Annual Fees
Discover it® Cash Back
Lower annual fee ($0 vs $175)
Rewards Earning
Hilton Honors Business
7 earning categories
Benefits & Protection
Discover it® Cash Back
8 benefits vs 0
Statement Credits
Hilton Honors Business
$60 in annual credits
Flexibility
Hilton Honors Business
Transferable points to airline/hotel partners
OUR PICK
Discover it® Cash Back wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for Discover it® Cash BackPREMIUM 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
Discover it® Cash Back
| Rotating 5% Categories | 5.0X (up to $1,500) |
| 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 |
Card Benefits: Detailed Comparison
Discover it® Cash Back (8 benefits)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Product Warranty
- Extended Warranty Protection
- Return Protection (up to $500)
- $0 Fraud Liability Guarantee
- Free FICO® Credit Score
- Freeze It® Card Lock
Hilton Honors Business (0 benefits)
No benefits data available