Rewards Calculator: Hilton Aspire AMEX vs Chase Hyatt Card

Calculate total Hilton Points and Hyatt Points for the Hilton Aspire AMEX and Chase Hyatt Credit Card side by side based on your spend and annual fees.

The Hilton Honors American Express Aspire Card is one of four Hilton credit cards and is the highest-tier card in the program. It has a heavy annual fee, but offers $500 in annual credits, an annual free weekend night, Hilton's highest elite status of Diamond, and much more. The World of Hyatt Card is the only Hyatt credit card and it offers bonus points across multiple categories including Hyatt, complimentary World of Hyatt Elite Status, and an annual free night.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Hilton Aspire Card features five bonus categories which consists of Hilton Hotels, airfare, AMEX Travel airfare, car rentals, and restaurant purchases. There is no cap on any of these bonus categories and there is no limit to the amount of Hilton Honors Points you can earn with the card in general.

The World of Hyatt Card also features five bonus categories which are Hyatt Hotels, transportation, restaurant, airfare, and gym purchases. There is no cap to any of these bonus categories and there is no limit to the amount of Hyatt Points you can earn using the card in general.

Hilton Aspire AMEX

  • 14x Hilton Hotels & Resorts
    • Includes hotel bookings and incidental charges made at the hotel such as restaurant, spa, and other charges.
  • 7x U.S. Restaurant
  • 7x Airfare
    • Can be purchased directly with airline or through the AMEX Travel website.
    • Other 3rd party bookings will not be eligible (e.g. Expedia, Orbitz).
  • 7x Car Rental
  • 3x Non-Category

Chase Hyatt Card

  • 4x Hyatt
    • Includes room reservations, restaurants that are owned, managed, or franchised by Hyatt, and other charges that are tied directly with Hyatt.
  • 2x Dining
    • Includes fast food, fine dining establishments, and some food delivery services.
    • Restaurants on Hyatt property that fall under the 4x Hyatt category bonus are excluded.
  • 2x Airfare (Booked Direct)
  • 2x Transportation
    • Transportation purchases are defined as:
      • Passenger Trains
      • Buses
      • Taxis
      • Limousines
      • Ferries
      • Toll Bridges and Highways
      • Parking Lots and Garages
  • 2x Gym/Fitness
    • Gym and Fitness purchases are defined as
      • Health Clubs
      • Exercise Clubs
      • Athletic Facilities Requiring Membership For Fitness
      • Fitness Clubs
      • Fitness Centers
      • Fitness Studios
      • Gyms
      • Aerobics
      • Cardio Fitness
      • Yoga / Cross Fit Training
  • 1x Non-Category

Perks & Benefits

The Hilton Aspire Card is a premium travel card. It's packed with Hilton benefits such as a free weekend night, $500 in annual credits, complimentary elite status and more. The World of Hyatt card is a standard entry-level hotel credit card and comes with an annual free night, complimentary status, and elite night credits towards obtaining higher status.

Hilton Aspire AMEX

  • Hilton Honors Diamond Status*
  • Annual $250 Airline Incidental Credit*
  • Annual $250 Hilton Resort Credit
    • Applies only to Hilton Resorts.
    • Triggering purchases include incidental charges such as restaurants, spas, and other establishments within the hotel property.
    • Charges must be charged to your room and paid using the Aspire Card at checkout.
  • $100 Hilton Property Credit
    • Applies to bookings at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts.
    • Must stay a minimum of 2 nights.
    • Credit can be used for incidental charges such as spa, food, property activities, and other things that can be charged to the room.
    • Cannot be applied to property fees, taxes, gratuities, or the cost of the room.
    • This credit can be used an unlimited amount of times per year.
  • Annual Weekend Night Reward
    • Reward is in the form of a redeemable code via email and must be used within a year of issue date.
    • A Weekend night is defined as Friday, Saturday, or Sunday.
  • Second Weekend Night w/ Spend
    • Earn a second weekend night when you spend $60,000 on the card within the card membership year.
  • Priority Pass Select Membership*
    • Two guests can enter with you for no charge (for lounges that accept guests).
  • ShopRunner Membership*
  • AMEX Offers*
  • AMEX Entertainment Access
  • Travel and Purchase Coverage

Chase Hyatt Card

*Enrollment required.

Transfer Partners

Hilton Honors Points and Hyatt Points are transferable to frequent flyer programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred airline that you typically do business with. The transfer partners of both programs are listed below.

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
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Updated 2020-07-21 By Robert Flowers III

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