Hilton Honors American Express Aspire Card vs United Club℠ Card

Hilton Honors American Express Aspire CardHilton Honors American Express Aspire Card

American Express

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United Club℠ CardUnited Club℠ Card

Chase

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Annual Fee
$550
$695
Card Type
Personal
Personal
Rewards Currency
Hilton Honors Points
United MileagePlus
Point Value
0.50¢/pt
1.35¢/pt
Base Earn Rate
3x
1x
Welcome Bonus
80,000 Hilton Honors Points after $2,000 in 180 days
90,000 United MileagePlus after $5,000 in 90 days

Effective return by category

CategoryHilton Honors American Express Aspire CardUnited Club℠ Card
Dining & Restaurants3.50%
7x
2.70%
2x
Food Delivery3.50%
7x
2.70%
2x
Car Rentals3.50%
7x
2.70%
2x
Travel1.50%
3x
2.70%
2x
Transit & Rideshare1.50%
3x
2.70%
2x
Everything else1.50%
3x
1.35%
1x

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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