Choosing between the Bank of America Unlimited Cash Rewards (no annual fee) and the Hilton Honors American Express 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.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest 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 Now| Feature | Bank of America Unlimited Cash Rewards | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | 70,000 points after $2,000 spend in 6 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | <strong>3.0%</strong> |
| Travel Rewards | 1.5% | <strong>7.0%</strong> |
| Dining Rewards | 1.5% | <strong>5%</strong> |
| Groceries Rewards | 1.5% | <strong>5%</strong> |
| Gas Rewards | 1.5% | <strong>5%</strong> |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 7x at Hilton hotels, 5x at U.S. restaurants, supermarkets, and gas stations. |
Hilton Honors American Express Card wins on travel, dining, groceries, gas.
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