Hilton Honors Business vs Platinum (Morgan Stanley)
Hilton Honors Business
$175/yr
6.5/10
VS
Platinum (Morgan Stanley)
$895/yr
5.5/10
Quick Answer
Hilton Honors Business charges $175/yr with 1X base rewards. Platinum (Morgan Stanley) charges $895/yr with 1X base rewards. Hilton Honors Business 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
Hilton Honors Business
Lower annual fee ($175 vs $895)
Rewards Earning
Hilton Honors Business
7 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Platinum (Morgan Stanley)
$1439 in annual credits
Flexibility
Hilton Honors Business
Transferable points to airline/hotel partners
OUR PICK
Hilton Honors Business wins for most people
The $720 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors BusinessPREMIUM PICK
Platinum (Morgan Stanley) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Morgan Stanley)Rewards Earning: Detailed Comparison
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 |
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |