The Hilton Honors American Express Aspire Card is Hilton's premium credit card. It has a heavy annual fee, but offers $500 in annual credits, an annual free weekend night, Hilton's highest elite status of Diamond, Priority Pass Select Membership, and much more.
The Chase World of Hyatt Card is Hyatt's only personal co-branded card. It earns bonus points across multiple categories, grants complimentary World of Hyatt Elite Status, and offers an annual free night award which adds great value to the card.
Rewards Rates
Current Intro Bonus
Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.
Earn up to 60,000 bonus points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Key Cardholder Benefits
- Receive complimentary Hilton Honors Diamond status. This status is normally given out after earning 30 Nights, 15 Stays, or 60,000 Base Points in a calendar year, so this is a big deal in terms of shortcuts to elite status.
- Upon receiving your Hilton Aspire Card and every January thereafter, you'll receive $250 in airline incidental credits with a select airline of your choice. Enrollment required.
- Every year, you'll receive $250 in Hilton Resort credit which applies to purchases at Hilton Resorts including incidental charges such as restaurants, spas, and other establishments within the hotel property.
- When you use your Hilton Aspire Card to book a minimum 2-night stay at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, you'll receive a $100 Hilton Property Credit. This credit can be used an unlimited amount of times per year and can be applied to incidental charges such as spa, food, property activities, and other things that can be charged to the room.
- Every year, you'll receive an annual Weekend Night Reward in the form of a redeemable code via email and must be used within a year of issue date. You'll also be able to earn a second Weekend Night Reward when you spend $60,000 on your Hilton Aspire Card within the card membership year.
- Receive complimentary Priority Pass Select Membership. With this membership, two guests can enter with you for no charge (for lounges that accept guests). Enrollment required.
- Be protected with trip cancellation insurance, trip interruption insurance, trip delay insurance, car rental loss & damage insurance, and more.
- Receive an Annual Free Night Award good for a stay at a Category 1-4 Hyatt hotel or resort. You'll also be able to earn a second Free Night Award every year that you spend $15,000 or more on the card.
- Enjoy complimentary Hyatt Discoverist Status as long as you're a Chase Hyatt Credit Card holder. This status is normally obtained after 10 nights, 25,000 base points, or 3 meetings/events at Hyatt brand hotels.
- Receive 5 Qualifying Nights towards Hyatt Elite Status. For every $5,000 you run through the Chase Hyatt Credit Card you'll earn 2 additional Qualifying Nights with no limit on how many nights you can earn.
Rewards Value
| Redemption | Point Value (in cents) |
|---|---|
| Award Nights | 0.4 - 0.6 |
| Lyft Credits | 0.22 |
| Car Rentals | 0.2 |
| Amazon.com | 0.2 |
| Event Credits | 0.2 |
Hilton Honors points are worth about 0.5 cents each on average. This significantly lower than the value of Hyatt points BUT, you can earn way more Hilton Honors points per $1 spent. So don't let the overall point value cloud your vision too much when comparing these cards.
| Redemption | Point Value (in cents) |
|---|---|
| Award nights at Hyatt brand hotels | 1.8 - 2.2 |
| Award nights at MGM resorts | 1.3 - 1.5 |
| Exhale Spa | 1.3 - 1.9 |
| Lindblad Expeditions | 1.6 |
| Meeting credits | 1.33 |
| Dining, spa, and room charges | 1 - 1.53 |
| Car rentals | 1 |
Hyatt Points are worth 1.8 cents each on average, but it doesn't take much effort to get over 2 cents per point booking free nights at Hyatt brand hotels. Hyatt points are one of the most valuable currencies in the market.
Transfer Partners
Both Hilton Honors Points and Hyatt Points can be transferred to a long list of travel partners. This is not the best use of points for either program as you'll typically lose value, especially with Hyatt Points.
Even with that being said, it can be useful if you're really in need of topping off a frequent flyer account. You will not get much out of transferring Hilton Points, but World of Hyatt could prove to be useful.
One big benefit to transferring Hyatt Points is that they throw in a 5,000-mile bonus for every 50,000 Hyatt points you transfer. This means that transferring 50,000 Points would give you 20,000 miles plus an additional 5,000 miles for a total of 25,000 miles with the program you transferred your points to.
Just be aware that 50,000 Hyatt Points can easily be worth over $1,000 in value, so you'll want to make sure the transfer is worth it.
Annual Fees
The Hilton Honors American Express Aspire Card has a $450 annual fee. There is no fee to add additional cardholders and the card has a 0% foreign transaction fee.
If you're able to make use of the $500 in annual credits, lounge access, and ability to earn up to 34X points at Hilton properties, you'll easily offset the fee of the card in no time.
The World of Hyatt Credit Card has a $95 annual fee.
The annual free night alone offers more than $95 in value, so you will not have a problem making up for this fee.
Card Value Calculator
Calculate how many Hilton Honors Points you can earn with the Hilton Aspire Card and how many Hyatt Points you can earn with the Chase Hyatt Credit Card. Compare the cash value of both cards side by side and find out which card earns you the most rewards.
