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Compare the Features and Benefits of Hilton Honors American Express Card and
Southwest Rapid Rewards® Priority Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
No Foreign Transaction Fees
No Fees for Authorized Users
Grants Hotel Status
Amex Offers
Annual Statement Credits
Free Checked Bags
Trip Protections
Roadside Assistance
Free Access to Credit Score
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
7x Hotels

Applies to bookings at Hilton Honors properties booked directly with Hilton. Otherwise, earn 3X

5x Gas Stations

At U.S. Gas Stations

5x Dining Out / Food Delivery

At U.S. Restaurants. Take out and delivery included.

5x Groceries

At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer

Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.2) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Hilton Honors American Express Card is the entry level Hilton card in a family of three Hilton credit cards for individuals including this one, the Hilton Honors Surpass® Credit Card ($150 annual fee), and the Hilton Aspire® credit card ($550 annual fee).

(All information about the Hilton Honors Aspire® Credit Card ahas been collected independently by Your Best Credit Cards.)

If you stay with Hilton frequently and simply aren’t willing to pay an annual fee, this isn’t a bad card. With 7X earned at Hilton portfolio properties (we value that at 3.5% worth of points back since we value Hilton points at 0.5 cents each), you’ll certainly do well when you pay with this card at Hilton family hotels and resorts.

5X Hilton Honors points at US restaurants, US gas stations, and US supermarkets on a no-annual fee card isn’t bad either, with a 2.5% effective return on spend assuming a value of 0.5 cents per Hilton point).

restaurants-hilton-honors-american-express-card

However, if you do step up to the annual fee cards, you do get more. The Surpass comes with automatic Hilton Gold status instead of Hilton Honors Silver status, which adds a breakfast or meal voucher credit to your benefits along with room upgrades and gives you the opportunity to earn a Free Night Reward valid on any Standard Night Reward after $15,000 in spend on eligible purchases on your Card in a calendar year.

And the Aspire, despite its heft annual fee, provides come crazy benefits like Diamond elite status.

However, you are probably reading about this card because you want a no annual fee Hilton credit card and this one is pretty strong for a new annual fee hotel card. Not to mention the shopping protections like Extended Warranty and Purchase Protection as well as no foreign transaction fees.

Rates and Fees for the Hilton Honors Credit Card from American Express

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Grants Hotel Status
yes
Amex Offers
yes
Annual Statement Credits
no
Free Checked Bags
no
Trip Protections
no
Roadside Assistance
no
Free Access to Credit Score
no
Annual Fee
$149
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
3x Airfare

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

2x Transit
2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Offer ends 6/26/2024

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.98) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Although the Southwest Priority Card charges the highest annual fee of any of the personal Southwest credit cards, we argue that it should be the go-to card for frequent Southwest flyers. That’s because the perks of this Southwest credit card easily justify the $149 annual fee.

Cardholders get four Upgraded Boardings each year, a $75 Southwest annual travel credit, 7,500 bonus points every cardmember anniversary (worth $105), and 25% back on inflight purchases. If you fly Southwest just a couple of times per year, these perks should easily save more than the $149 annual fee.

Get four Southwest Upgraded Boardings each cardmember anniversary.

In addition to the sign-up bonus, cardholders earn 3x points on Southwest purchases and 2x points on Rapid Rewards hotel and car rental partner purchases, local transit, commuting, and rideshare. In addition to those travel purchases, cardholders also earn 2x points on internet, cable, phone services, and select streaming services. All other purchases earn 1x points.

All points earned count toward earning the Southwest Companion Pass. Plus, cardholders will earn 1,500 Tier Qualifying Points toward A-List and A-List Preferred Status for every $5,000 spent per year. And you don’t need to worry about foreign transaction fees with the Southwest Priority Card.

The only downside to Southwest Airlines credit cards is that Rapid Rewards points are only valuable for flying Southwest. If you want to earn flexible points, consider a credit card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Preferred Card. Chase Ultimate Rewards points transfer to the Southwest Rapid Rewards program, so you’ll still be able to top off your Rapid Rewards account when you need points for your next redemption, but you can also transfer them to any of Chase’s other airline or hotel transfer partners.

Lastly, this card is great for getting a good chunk of the way to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Redeem your Southwest Rapid Rewards points earned through your Southwest card for nearly-free Southwest flights

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Grants Hotel Status
no
Amex Offers
no
Annual Statement Credits
yes
Free Checked Bags
yes
Trip Protections
yes
Roadside Assistance
yes
Free Access to Credit Score
yes

Learn more about these cards today

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