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 U.S. Bank Cash+® Visa Signature® 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 U.S. Bank Cash+ in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
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 NowStrongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Hilton Honors American Express Card | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | 70,000 points after $2,000 spend in 6 months | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 3% | 1% |
| Dining Rewards | 5% | 1% |
| Groceries Rewards | 5% | 2% |
| Gas Rewards | 5% | 1% |
| 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% on prepaid travel through the U.S. Bank Travel Center Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%. |
| Key Benefits | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
Hilton Honors American Express Card pulls ahead for travel, dining, groceries, gas spending.
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.