Chase Sapphire Reserve® vs Hilton Honors American Express Aspire Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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Hilton Honors American Express Aspire CardHilton Honors American Express Aspire Card

American Express

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Annual Fee
$795
$550
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
Hilton Honors Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryChase Sapphire Reserve®Hilton Honors American Express Aspire Card
Airfare8.00%
4x
1.50%
3x
Hotels & Lodging8.00%
4x
1.50%
3x
Dining & Restaurants6.00%
3x
3.50%
7x
Car Rentals2.00%
1x
3.50%
7x
Food Delivery2.00%
1x
3.50%
7x
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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