Choosing between the Hilton Honors American Express Card (no annual fee) and the World of Hyatt Credit Card ($95/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 7.0%. 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 NowStrongest in travel at 4%. Up to 9X total points at Hyatt hotels and resorts.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Hilton Honors American Express Card | World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | 70,000 points after $2,000 spend in 6 months | 3 free nights after $5,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>3.0%</strong> | 1.0% |
| Travel Rewards | <strong>7.0%</strong> | 4% |
| Dining Rewards | <strong>5%</strong> | 1% |
| Groceries Rewards | <strong>5%</strong> | 1% |
| Gas Rewards | <strong>5%</strong> | 1% |
| Key Benefits | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. | Up to 9X total points at Hyatt hotels and resorts. |
Hilton Honors American Express Card pulls ahead for travel, dining, groceries, gas spending.
The $95/year fee difference means World of Hyatt Credit Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.