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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

75,000 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

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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 75,000-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
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 huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
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 $350 with this upper-mid tier travel card. 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.
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
15.74% to 24.74% variable
$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. Rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
United℠ Explorer Card
2x miles at restaurants, hotels and United and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
United Club℠ Infinite Card
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
16.49% to 23.49% variable
$525
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
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.
Delta SkyMiles® Reserve American Express Card
3x miles on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$550
Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. Rates & fees
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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