Amex Blue Cash Preferred vs Amex Hilton Honors
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
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Amex Hilton Honors wins 5-1. No-fee Hilton card — solid for occasional Hilton stays. Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..
Side-by-side
| Criterion | Amex Blue Cash Preferred | Amex Hilton Honors |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 6% (shopping) | 7% (travel) |
| Base reward rate | · 1% | 3% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = 70,000 Hilton points after $2,000 spend in 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.5/5 | · 4.1/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
Amex Hilton Honors
- 7x Hilton Honors points at Hilton hotels
- 5x at US restaurants + gas stations
- 3x on everything else
- Hilton Honors Silver status
- No annual fee, no foreign transaction fees
FAQ
›Amex Blue Cash Preferred vs Amex Hilton Honors: which is better?
Amex Hilton Honors wins on more dimensions (5 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, Amex Hilton Honors for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. Amex Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months.