American Express® Gold Card vs Hilton Honors American Express Aspire Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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Hilton Honors American Express Aspire CardHilton Honors American Express Aspire Card

American Express

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Annual Fee
$325
$550
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Hilton Honors Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryAmerican Express® Gold CardHilton Honors American Express Aspire Card
Dining & Restaurants8.00%
4x
3.50%
7x
Groceries8.00%
4x · $25,000 cap
1.50%
3x
Travel6.00%
3x
1.50%
3x
Car Rentals2.00%
1x
3.50%
7x
Food Delivery2.00%
1x
3.50%
7x
Gas Stations2.00%
1x
1.50%
3x
Streaming Services2.00%
1x
1.50%
3x
Everything else2.00%
1x
1.50%
3x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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