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 World of Hyatt Credit Card ($95/yr) comes down to where you spend most. World of Hyatt needs about $3,960 a month in flights, hotels, other travel or other purchases, counting that spending alone, to make up its $95 higher annual fee over Hilton Honors Amex. Below that, Hilton Honors Amex comes out ahead. 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 NowUp 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 | 30,000 points after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 3% | 1% |
| Dining Rewards | 5% | 1% |
| Groceries Rewards | 5% | 1% |
| 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%. |
4% at Hyatt hotels Earns 4% only on stays at Hyatt hotels and resorts. Travel booked anywhere else earns 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 about 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. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.