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

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, 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

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

Earn 80,000 points after spending $1,000 in the first 3 months. Also, earn another 50,000 points after spending a total of $5,000 in the first 6 months.

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

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