Amex Hilton Honors vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Hilton Honors wins 3-1. No-fee Hilton card — solid for occasional Hilton stays. Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Amex Hilton Honors | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 7% (travel) | · 1% (general) |
| Base reward rate | 3% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 70,000 Hilton points after $2,000 spend in 6 months | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.1/5 | 4.3/5 |
Benefits compared
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
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Amex Hilton Honors vs Wells Fargo Reflect: which is better?
Amex Hilton Honors wins on more dimensions (3 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 Hilton Honors for its best categories, Wells Fargo Reflect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.