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Compare Hilton Credit Cards

Compare the Hilton credit cards side by side to see which earns you the most points and gives you the most value based on spend, benefits, and fees.


Hilton offers three great personal cards and one solid business card that earns a great amount of Hilton Honors Points and offers useful benefits when staying at Hilton brand hotels. Deciding on which card to pick up can be a challenge, but it will all depend on how much you value card perks and how much spend you'll be running through the cards.

The credit card point calculators on the page will allows you to calculate how many Hilton Honors Points you can earn and the cash value of Hilton credit cards based on spend, benefits, and annual fees.

Hilton Credit Cards

Hilton offers a total of four credit cards all offered by American Express. There are 3 personal cards and one business card.

Hilton Honors Card

The Hilton Honors Card is the no-annual fee card of the Hilton family. It earns the lowest amount of Hilton Honors Points across all categories, but it's still a great choice for anyone who stays at Hilton a few times per year.

Hilton Card Benefits

  • 7x Points At Hilton Hotels
  • 5x Points On U.S. Restaurants
  • 5x Points On U.S. Supermarkets
  • 5x Points On U.S. Gas Stations
  • 3x Points On Everything Else
  • Complimentary Hilton Honors Silver Status
  • Hilton Honors Gold w/ $20k Spend

Hilton Surpass Card

The Hilton Honors Surpass Card is the middle ground for those staying at Hilton properties. It has your standard $95 annual fee, offers a better return across all the same categories on the Hilton Honors Card, and grants a higher level of elite status.

Hilton Surpass Benefits

  • 12x Points At Hilton Hotels
  • 6x Points On U.S. Restaurants
  • 6x Points On U.S. Supermarkets
  • 6x Points On U.S. Gas Stations
  • 3x Points On Everything Else
  • Complimentary Hilton Honors Gold Status
  • Hilton Honors Diamond w/ $40k Spend
  • Complimentary Priority Pass Visits
hilton aspire signup bonus
Hilton credit cards offer great sign up bonuses that can earn you a lot of points fast.

Hilton Aspire Card

The Hilton Honors Aspire Card is the premium card in the Hilton family. It has a high price tag of $450, but offers a bunch of benefits that can easily make it worth picking up. This includes $500 in annual credits, the highest level of elite status, and an even better return across all categories featured on the card.

Hilton Aspire Benefits

  • 14x Points At Hilton Hotels
  • 7x Points On U.S. Restaurants
  • 7x Points On U.S. Supermarkets
  • 7x Points On U.S. Gas Stations
  • 3x Points On Everything Else
  • Complimentary Hilton Honors Diamond Status
  • Annual $250 Airline Incidental Credit
  • Annual $250 Hilton Resort Credit
  • $100 Hilton Property Credit
  • Annual Weekend Night Rewards
  • Priority Pass Select

Hilton Business Card

If you're looking for a business card that earns great rewards, look no further than the Hilton Business Card. It's a nice well rounded card that matches up to the greatness of the Hilton Surpass Card.

Hilton Business Card Benefits

  • 12x Points At Hilton Hotels
  • 6x Points On Airfare (purchased directly w/ airline)
  • 6x Points On AMEX Travel Airfare
  • 6x Points On U.S. Restaurants
  • 6x Points On U.S. Wireless Phone Providers
  • 6x Points On U.S. Gas Stations
  • 6x Points On Car Rentals
  • 6x Points On U.S. Shipping
  • 3x Points On Everything Else
  • Complimentary Hilton Honors Gold Status
  • Hilton Honors Diamond w/ $40k Spend
  • Complimentary Priority Pass Visits
  • Hilton Weekend Night Reward At $15k & $60k Spend

Comparison Calculator
Rewards and Card Value Comparison Calculator

You can use this rewards comparison calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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.
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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.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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