Gemini Credit Card vs Hilton Honors American Express Card
Compare the Gemini Credit Card ($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 Gemini Credit Card 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 | Gemini Credit Card | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $3,000 spend in 90 days | 70,000 points after $2,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 3.0% |
| Travel Rewards | 1.0% | 7% |
| Dining Rewards | 3% | 5% |
| Grocery Rewards | 2% | 5% |
| Gas Rewards | 4% (up to $3,600/yr) | 5% |
| Key Benefits | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
| Issuer | WebBank | American Express |
Quick Summary
The Gemini Credit Card has a $0 annual fee (same as Hilton Honors American Express Card).
Hilton Honors American Express Card has a higher base reward rate (3.0% vs 1.0%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
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