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 Hilton Honors American Express Card (no annual fee) and the OnePay CashRewards Card (no annual fee) 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 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 Now3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Hilton Honors American Express Card | OnePay CashRewards Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | 70,000 points after $2,000 spend in 6 months | $35 after $0 spend in 1 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3.0% | 1.5% |
| Dining Rewards | 5% | 1.5% |
| Groceries Rewards | 5% | 1.5% |
| Gas Rewards | 5% | 1.5% |
| Rates with conditions not counted in the rows above |
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%. |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
| Key Benefits | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. |
Hilton Honors American Express Card pulls ahead for travel, dining, groceries, gas spending.
Hilton Honors American Express Card carries $200/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
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.