Hilton Honors American Express Card vs Kohl's Rewards® Visa

Hilton Honors American Express CardHilton Honors American Express Card

American Express

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Kohl's Rewards® VisaKohl's Rewards® Visa

Capital One

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Hilton Honors Points
Kohl's Rewards
Point Value
0.50¢/pt
1.00¢/pt
Base Earn Rate
3x
1x
Welcome Bonus
70,000 Hilton Honors Points + Free Night Reward after $2,000 in 6 months (through Jan 13, 2027)
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Effective return by category

CategoryHilton Honors American Express CardKohl's Rewards® Visa
Gas Stations2.50%
5x
3.00%
3x
Dining & Restaurants2.50%
5x
1.00%
1x
Food Delivery2.50%
5x
1.00%
1x
Groceries2.50%
5x
2.00%
2x
Everything else1.50%
3x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

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

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