Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

World of Hyatt Credit Card vs Hilton Honors American Express Card

Two excellent hotel credit cards with valuable perks.

The winner: Hilton Honors American Express Card

100,000-point

Welcome offer after spending $1,000 in first 3 months

  • 7x points on Hilton Honors
  • 5x points at US restaurants, US supermarkets and US gas stations
  • No annual fee
Apply now
Terms apply, see rates & fees

Both 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 World of Hyatt Credit Card you’ll pay $95 annually. 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.

World of Hyatt Credit Card

World of Hyatt Credit Card

Terms apply, see rates & fees

Hilton Honors American Express Card

Hilton Honors American Express Card

Terms apply, see rates & fees

Finder rating
Finder 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

30,000 points after spending $3,000 on purchases in the first 3 months. Plus 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months

100,000 points after spending $1,000 in the first 3 months, plus earn up to $100 in statement credits on eligible purchases at Hilton hotels in the first 12 months. Offers expire 8/25/2021

Rewards
Rewards

9x 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

Compare World of Hyatt Credit Card vs. Hilton Honors American Express Card

Name Product Welcome offer Rewards Annual fee Filter values
World of Hyatt Credit Card
30,000 points after spending $3,000 on purchases in the first 3 months. Plus 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 30,000 points after spending $3,000 on purchases in the first 3 months. Plus earn 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months.
Hilton Honors American Express Card
100,000 points after spending $1,000 in the first 3 months, plus earn up to $100 in statement credits on eligible purchases at Hilton hotels in the first 12 months. Offers expire 8/25/2021
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site