Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Fold (no annual fee) and the Hilton Honors American Express Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Hilton Honors Amex earns at least as much as Fold in every category, more on dining, groceries and gas. Enter your monthly spending above to see which comes out ahead for you.
1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 5%. 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. Earns a solid 3.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| 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 | 1.5% | 3% |
| Dining Rewards | 1.5% | 5% |
| Groceries Rewards | 1.5% | 5% |
| Gas Rewards | 1.5% | 5% |
| Rates with conditions not counted in the rows above |
None |
7% at Hilton hotels Earns 7% only on stays at hotels and resorts in the Hilton portfolio. Travel booked anywhere else earns the flat 3%. |
| Key Benefits | 1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
Hilton Honors American Express Card wins on travel, dining, groceries, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.