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

Two excellent hotel credit cards with valuable perks.

Updated

Fact checked
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, but for the The World of Hyatt Credit Card you’ll pay $95 annually. The World of Hyatt Credit Card makes up for its annual fee, however, with a free night every calendar year and almost three times higher points value when redeemed for World of Hyatt stays.

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

Rates & Fees

Hilton Honors American Express Card

Hilton Honors American Express Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

3.8 / 5.0

★★★★★

4.4 / 5.0
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

80,000 points after spending $1,000 in the first 3 months

Rewards
Rewards

4x total 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
Purchase APR

15.99% to 22.99% variable

15.74% to 24.74% variable

Annual fee
Annual fee $95 $0
Balance transfer APR
Balance transfer APR 15.99% to 22.99% variable

N/A

Cash advance
Cash advance

APR: 24.99% variable

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

APR: 25.24% 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 $40
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 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Summary of card features

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

  • Get a sizable 80,000-point welcome offer after you spend $1,000 in eligible purchases during your first 3 months of account opening.
  • Earn 7x points at eligible Hilton hotels and resorts. Earn 5x points at US restaurants, US supermarkets and US gas stations, and 3x points on everything else.
  • Get a complimentary upgrade to Hilton Honors Silver.

Compare similar credit cards

Name Product Filter values Rewards Purchase APR Annual fee
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The Platinum Card® from American Express
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
See rates & fees
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
The Platinum Card® from American Express
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
See rates & fees
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
15.74% to 24.74% variable
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Hilton Honors American Express Surpass® Card
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
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Compare up to 4 providers

Compare American Express credit cards

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