Hilton Honors American Express Card vs PenFed Platinum Rewards Visa Signature® Card

Hilton Honors American Express CardHilton Honors American Express Card

American Express

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Hilton Honors Points
PenFed Points
Point Value
0.50¢/pt
0.85¢/pt
Base Earn Rate
3x
1x
Welcome Bonus
80,000 Hilton Honors Points after $2,000 in 180 days
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryHilton Honors American Express CardPenFed Platinum Rewards Visa Signature® Card
Gas Stations2.50%
5x
4.25%
5x
EV Charging1.50%
3x
4.25%
5x
Groceries2.50%
5x
2.55%
3x
Dining & Restaurants2.50%
5x
2.55%
3x
Streaming Services1.50%
3x
2.55%
3x
Food Delivery2.50%
5x
0.85%
1x
Everything else1.50%
3x
0.85%
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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