Gemini vs Hilton Honors Business
Gemini
$0/yr
7.0/10
VS
Hilton Honors Business
$175/yr
6.5/10
Quick Answer
Gemini charges no annual fee with 1X base rewards. Hilton Honors Business charges $175/yr with 1X base rewards. Gemini 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
Gemini
Lower annual fee ($0 vs $175)
Rewards Earning
Hilton Honors Business
7 earning categories
Benefits & Protection
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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
Gemini wins for most people
The $175 fee difference is hard to justify unless you maximize premium benefits.
Apply for GeminiPREMIUM 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
Gemini
| Dining | 3.0X |
| Groceries | 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 |