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Blue Cash Preferred® Card from American Express vs Hilton Honors American Express Card
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Hilton Honors American Express Card. Both cards offer unique rewards and benefits tailored to different spending habits and preferences.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is ideal for consumers who frequently shop at supermarkets and use streaming services. It offers a solid cash back rewards structure, making it a great choice for families and individuals looking to maximize their everyday spending.
Hilton Honors American Express Card
The Hilton Honors American Express Card is designed for travelers who frequently stay at Hilton hotels. With no annual fee and rewards that cater to hotel stays and dining, this card is perfect for those who want to earn points towards their next vacation.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | Hilton Honors American Express Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $0 |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | 80,000 Hilton Honors Bonus Points after spending $2,000 in the first 6 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% on transit and gas, 1% on other purchases | 7X Points at Hilton hotels, 5X Points at U.S. restaurants, supermarkets, and gas stations, 3X Points on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees for large purchases in the first year | None |
| Additional Benefits | $84 Disney Bundle Credit, Cash Back received as Reward Dollars | Complimentary Hilton Honors Silver status, potential upgrade to Gold status |
Rewards Highlights
Blue Cash Preferred® Card from American Express:
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
Hilton Honors American Express Card:
- Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
- Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
- Earn 3X Points for all other eligible purchases on your Card.
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rewards for supermarkets and streaming subscriptions.
- Attractive welcome bonus.
- Buy Now, Pay Later option with no intro fees.
- Cons:
- Annual fee after the first year.
- Limited rewards categories compared to travel cards.
Hilton Honors American Express Card
- Pros:
- No annual fee.
- Generous rewards for Hilton hotel stays.
- Complimentary Hilton Honors Silver status.
- Cons:
- Rewards mainly beneficial for Hilton users.
- Lower overall rewards rate on non-Hilton purchases.
Who Should Consider Which Card?
Blue Cash Preferred® Card from American Express: This card is best for individuals or families who spend heavily on groceries and streaming services. If you frequently shop at supermarkets and want to earn cash back, this card offers significant rewards in those categories.
Hilton Honors American Express Card: Ideal for frequent travelers, especially those who prefer staying at Hilton properties. If you travel often and want to accumulate hotel points without an annual fee, this card is a great choice.
Conclusion
When choosing between the Blue Cash Preferred® Card from American Express and the Hilton Honors American Express Card, consider your individual spending habits and financial goals. Each card offers unique benefits that cater to different lifestyles, so choose the one that aligns best with your needs.