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The World of Hyatt Credit Card vs Hilton Honors American Express Card

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Two excellent hotel credit cards with valuable perks.

Both The World of Hyatt Credit Card and the Hilton Honors American Express Card let you earn points on hotel stays and other purchases. The main difference between them is the annual fee. The Amex Hilton Honors doesn’t have one (see rates & fees), but The World of Hyatt Credit Card does. The World of Hyatt Credit Card makes up for its annual fee, however, with a free night every calendar year.

Check out the cards’ other perks and benefits below to make sure you get the right card in your pocket.

The World of Hyatt Credit Card

The World of Hyatt Credit Card

Hilton Honors American Express Card

Hilton Honors American Express Card

Best for
Best for
  • Earning reward nights at Hyatt hotels and resorts
  • No annual fee plus rewards for Hilton properties and everyday purchases
Welcome offer
Welcome offer

25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months

75,000 points after spending $1,000 in the first 3 months

Rewards
Rewards

9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases

7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.99% to 24.99% variable

17.49% to 26.49% variable

Annual fee
Annual fee $95 $0
Balance transfers
Balance transfers APR: 17.99% to 24.99% variable

Fee: $5 or 5% of the transaction, whichever is greater

APR: 17.49% to 26.49% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 680
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Read review

Which card should you choose?

The World of Hyatt Credit Card

The World of Hyatt Credit Card

  • Earn 9x total points at Hyatt hotels and resorts: 4x points at Hyatt hotels plus 5x points as a World of Hyatt member
  • Earn 2x points on gym memberships, local transit, commuting, restaurants and on airline tickets purchased directly from airlines
  • Plus, earn 1x points on all other purchases
  • Enjoy an annual reward night and an additional night when you spend $15,000 on purchases in a year

Hilton Honors American Express Card

Hilton Honors American Express Card

  • Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases at US restaurants, US supermarkets and US gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.

Compare similar credit cards

Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
1.25x miles on all purchases and 10x miles at hotels.com/venture
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2x miles on Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
2x miles on all purchases and 10x miles at hotels.com/venture
17.49%, 22.24% or 24.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
N/A
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
18.99% to 25.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
18.49% to 25.49% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.

Compare up to 4 providers

Compare American Express credit cards

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