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The Platinum Card® from American Express vs Hilton Honors American Express Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Platinum is an excellent charge card for frequent travelers. How does it compare to American Express Hilton, a travel and hotel credit card? Read our comparison chart below.

Keep in mind, the American Express Platinum has a $550 annual fee, while the American Express Hilton has a $0 annual fee.

Charge Card vs Credit Card: The Platinum Card® from American Express is a charge card while Hilton Honors American Express Card is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 The Platinum Card from American ExpressHilton Honors American Express Card
 Apply NowApply Now
 

The Platinum Card® from American Express

Hilton Honors American Express Card

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel RewardsPoint Rewards
Introductory Bonus Hotel RewardsHotel RewardsGas RewardsGrocery RewardsDining Rewards
 
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
  • See Rates & Fees
 

Card Interest Rates & Fees

Purchase APRN/A17.74% to 26.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A17.74% to 26.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$550 annual fee$0 annual fee
 

Card Rewards & Benefits

Introductory Bonus Hotel Rewards Introductory Bonus Hotel Rewards: Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. 
Travel RewardsTravel Rewards 
Airline RewardsAirline Rewards: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 
Hotel RewardsHotel Rewards: 5X Membership Rewards points on prepaid hotels booked on amextravel.com.Hotel Rewards: Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
Point RewardsPoint Rewards: Earn 1 point for virtually every dollar spent. 
Airline StatusAirline Status: $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Terms Apply.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
 
Hotel StatusHotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll for complimentary Hilton Honors Gold Status.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property. Terms Apply.
Hotel Status: Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
Gas Rewards Gas Rewards: Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. gas stations.
Grocery Rewards Grocery Rewards: Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. supermarkets.
Dining Rewards Dining Rewards: Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more. 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Platinum Card from American ExpressHilton Honors American Express Card
Pros & ConsPros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Pros:
  • Bonus points
  • No annual fee
  • Honors Silver status
Cons:
  • No intro APR
Bottom LineExcellent charge card for frequent travelers... Read full reviewGood secondary credit card with no annual fee to earn points for hotel stays... Read full review
 Apply NowApply Now
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.

    Which is Better: American Express Platinum or American Express Hilton?

    Still need help deciding which travel card is better? Read the in-depth reviews below. You may also be interested in comparing American Express Platinum or Chase Sapphire Preferred.


    Articles on The Platinum Card® from American Express


    Articles on Hilton Honors American Express Card

      Hilton Cancún

      Hilton Honors Credit Card Review

      Hilton Honors American Express Card is a hotel credit card with no annual fee, so what's the catch? Read on to see if the Hilton AMEX is worth applying for.

    Which Do You Like and Why?

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    Compare American Express Platinum to:

    American Express Gold Card

    American Express® Gold Card

    Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.99% - 24.99% Variable
    Annual Fee
    $0 Intro for the First Year, then $95
    American Express Business Platinum

    The Business Platinum® Card from American Express

    Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline Rewards
    Annual Fee
    $450

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    Compare American Express Hilton to:

    Starwood Preferred Guest
    Introductory Bonus Hotel RewardsBonus Airline RewardsBonus Hotel RewardsHotel RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    17.74% - 26.74% Variable
    $0 introductory annual fee for the first year, then $95


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