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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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Hilton Honors American Express Aspire Card Hilton Honors American Express Aspire Card image
Card Details
How to apply
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Hilton Honors American Express Aspire Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) 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.
Min Credit Score:
Good *
Annual Fee:
$550 (Rates and fees)

🎁 Bonus offer

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

Booked directly with the airline

7x
Airfare
Estimated Rewards Value: 3.5%

U.S. dining, including takeout and delivery

7x
Dining Out / Food Delivery
Estimated Rewards Value: 3.5%

With select car rental companies; otherwise earn 3X

3x-7x
Car Rentals
Estimated Rewards Value: 1.5%

Earn 14X at Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

3x-14x
Hotels
Estimated Rewards Value: 1.5%
3x
All Other Eligible Purchases
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • Diamond Elite Status
  • Up to $909 in annual statement credits (Terms apply)
  • An annual Standard Free Night Reward with no cap on value

Pros

  • Diamond Elite Status
  • Up to $909 in annual statement credits (Terms apply)
  • An annual Standard Free Night Reward with no cap on value

Cons

  • Points earned are only good for booking Hilton family stays
  • High annual fee (but not really, considering the value)
  • We really can't think of a third!
Annual Fee: $550
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we had raised the overall expected average redemption value to 0.6 cents, but lowered it back to 0.5 cents after two devaluations in 2025 pushed awards at the top end from 150,000 points to 250,000 points - a sizable increase.

APR: 19.49%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 19, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Year 1 tbd
Year 2 tbd
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Hilton Honors Surpass® Credit Card Hilton Honors Surpass® Credit Card image
Card Details
How to apply
🔔 Notify me of bonus offer changes
American Express is an Advertising Partner

Hilton Honors Surpass® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) 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.
Min Credit Score:
Good *
Annual Fee:
$150 (Rates and fees)

🎁 Bonus offer

Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

12x
Hotels
Estimated Rewards Value: 6%

U.S. gast stations

6x
Gas Stations
Estimated Rewards Value: 3%

U.S. dining, including takeout and delivery

6x
Dining Out / Food Delivery
Estimated Rewards Value: 3%

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.)

6x
Supermarkets
Estimated Rewards Value: 3%

U.S. Online Retail Shopping

4x
Online Retail Shopping
Estimated Rewards Value: 2%
3x
All Other Eligible Purchases
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • Very high earn rate for all spend at Hilton properties (12X)
  • Comes with complimentary Hilton Gold elite status
  • Offers the ability to earn a valuable Free Night Reward with $15,000 in eligible spend in a calendar year

Pros

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • Includes mid-tier Hilton Honors™ Gold Status, a way to spend to Hilton Honors™ Diamond Status
  • Spend your way to a Free Night Reward valid at almost any Hilton property in the world

Cons

  • The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
  • Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed via a devaluation of the loyalty program.
  • The Free Night Reward available with this card requires $15,000 in annual (calendar year) eligible spend
Annual Fee: $150
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we had raised the overall expected average redemption value to 0.6 cents, but lowered it back to 0.5 cents after two devaluations in 2025 pushed awards at the top end from 150,000 points to 250,000 points - a sizable increase.

APR: 19.49%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 19, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
The Hilton Honors American Express Business Card The Hilton Honors American Express Business Card image
Card Details
How to apply
🔔 Notify me of bonus offer changes
American Express is an advertising partner.

The Hilton Honors American Express Business Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) 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.
Min Credit Score:
Good *
Annual Fee:
$195 (Rates and fees)

🎁 Bonus offer

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

+
 more
🔔 Notify me of bonus offer changes
  • Very high earn rate for all spend at Hilton properties (12X)
  • Comes with complimentary Hilton Gold elite status
  • You'll get up to $60 in statement credits each quarter at Hilton family hotels

Pros

  • If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
  • You'll get up to $60 in statement credits each quarter at Hilton family hotels
  • Includes mid-tier Hilton Gold status, a way to spend to Diamond status, and you can spend your way to up to two free nights at any Hilton property in the world.

Cons

  • The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
  • Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed.
  • The card no longer includes Priority Pass lounge access or the ability to earn Free Night Reward certificates
Annual Fee: $195
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we had raised the overall expected average redemption value to 0.6 cents, but lowered it back to 0.5 cents after two devaluations in 2025 pushed awards at the top end from 150,000 points to 250,000 points - a sizable increase.

APR: 19.49%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 19, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
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Benefits:
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Multipliers:
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YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
Hilton Honors American Express Card Hilton Honors American Express Card image
Card Details
How to apply
🔔 Notify me of bonus offer changes
American Express is an advertising partner.

Hilton Honors American Express Card

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.
Min Credit Score:
Good *
Annual Fee:
$0 (Rates and fees)

🎁 Bonus offer

Earn 80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Terms apply.

Bonus points for spend in the following bonus categories:

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

7x
Hotels
Estimated Rewards Value: 3.5%

At U.S. Gas Stations

5x
Gas Stations
Estimated Rewards Value: 2.5%

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

5x
Dining Out / Food Delivery
Estimated Rewards Value: 2.5%

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.)

5x
Supermarkets
Estimated Rewards Value: 2.5%
3x
All Other Eligible Purchases
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • No annual fee and no foreign transaction fees
  • 7X points when staying at Hilton portfolio properties
  • Comes with Hilton Honors™ Silver Elite status

Pros

  • 7X points when staying at Hilton portfolio properties
  • Comes with Hilton Honors™ Silver Elite status with the chance to earn Gold
  • No annual fee and no foreign transaction fees

Cons

  • Hilton Honors™ Silver Elite status benefits are light compared to Gold status
  • The earn rate on everyday spend is higher on other cards
  • Lacks any high end benefits, but then again it's a no annual fee card
Annual Fee: $0
Foreign
Transaction Fee: 0%
Min Credit
Score: Good *
Point
Value: $0.005

Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we had raised the overall expected average redemption value to 0.6 cents, but lowered it back to 0.5 cents after two devaluations in 2025 pushed awards at the top end from 150,000 points to 250,000 points - a sizable increase.

APR: 19.49%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.
Last Updated: April 19, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
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Capital One Venture Business

Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more

Bonus Offer

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months

Card Details How to apply
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Graphite™ Business Cash Unlimited Card

Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more

Bonus Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout.

Card Details How to apply
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Chase Sapphire Preferred® Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 6 more

Bonus Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Reserve®

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more

Bonus Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more

Bonus Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

Card Details Learn How to Apply
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Chase Ink Business Preferred® Credit Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more

Bonus Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Ink Business Unlimited® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else

Bonus Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details Learn How to Apply
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Chase Ink Business Cash® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more

Bonus Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details Learn How to Apply
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Bilt Palladium Card

Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend

Bonus Offer

Earn 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash. Subject to approval.

Card Details Apply Now
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Bilt Obsidian Card

Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Bonus Offer

Welcome offer: $200 of Bilt Cash when you apply and get approved.

Card Details Apply Now

Calculation

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Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.

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