Fold vs Hilton Honors American Express Card
Compare the Fold ($0/yr) against the Hilton Honors American Express Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the Fold and Hilton Honors American Express Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Fold | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | 70,000 points after $2,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3.5% | 3.0% |
| Travel Rewards | 3.5% | 7% |
| Dining Rewards | 3.5% | 5% |
| Grocery Rewards | 3.5% | 5% |
| Gas Rewards | 3.5% | 5% |
| Key Benefits | Up to 3.5% bitcoin back on all purchases. | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
| Issuer | Sutton Bank | American Express |
Quick Summary
The Fold has a $0 annual fee (same as Hilton Honors American Express Card).
Fold has a higher base reward rate (3.5% vs 3.0%).
Which Card is Better for Your Spending?
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