Chase Sapphire Preferred vs Hilton Honors: Which Is Better In 2025?

Hilton Honors American Express Breakdown

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Why We Like It

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Here’s a closer look at why the Hilton Honors American Express Card stands out in a crowded field of travel cards.

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• You can rack up points quickly with accelerated rewards on Hilton stays, plus at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
• The card comes with no annual fee (See Rates & Fees), making it a cost-effective way to earn travel rewards.
• With no annual fee to offset, the card provides value from your very first purchase (publisher-formulated estimate).

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Automatic Hilton Honors Silver status unlocks travel perks like bonus points on stays and an extra night on longer award bookings.
• A generous welcome offer provides a large sum of bonus points for new cardmembers.
• Access to Amex Offers and special ticket presales provides ongoing value beyond travel rewards.

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Cons

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• Lacks premium perks like free night rewards or resort credits that come with higher-tier cards.
• Hilton Honors points are generally less valuable than points from other hotel loyalty programs and have limited transfer partners.
• The card includes minimal travel insurance and protection benefits.

Hilton Honors American Express vs Chase Sapphire Preferred®

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Categories

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When deciding which is better, Chase Sapphire Preferred or Hilton Honors, it's important to understand that each card caters to a different type of traveler. Let's break down who each card is best for.

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• Chase Sapphire Preferred® Card: This is one of the most popular entry-level travel cards, ideal for frequent travelers seeking to maximize rewards without a premium annual fee.
• Hilton Honors American Express Card: This card is best for loyal Hilton guests and budget-conscious travelers who want to earn hotel rewards without paying an annual fee.

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Redemption

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Chase Sapphire Preferred® Card: This card's points offer significant flexibility, allowing you to transfer them to numerous airline and hotel partners or redeem them for travel through the Chase Ultimate Rewards® portal.

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Hilton Honors American Express Card: Points earned are primarily redeemed for stays within the Hilton portfolio of hotels and resorts, making it a straightforward option for brand-loyal travelers.

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Travel Perks

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• Chase Sapphire Preferred® Card: This card provides access to the comprehensive Chase Ultimate Rewards® travel portal for booking flights, hotels, and car rentals. It also comes with valuable travel protections, including trip cancellation/interruption insurance and an auto rental collision damage waiver. A key benefit for international travelers is that it does not charge foreign transaction fees.
• Hilton Honors American Express Card: The primary travel ecosystem for this card is the Hilton portfolio itself. Cardholders receive complimentary Hilton Honors Silver status, which unlocks on-property benefits and bonus points on stays. The card also has no foreign transaction fees, making it a good companion for trips abroad.

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Compare Top Rated Credit Cards with Kudos

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If you're looking to simplify the decision-making process, a tool like Kudos can help you compare top-rated cards based on your own spending.

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• Use the 'Test Drive' feature to simulate how much you could earn with a new card based on your actual transaction history, all before you apply.
• Explore a database of nearly 3,000 credit cards, with 95% not linked to commissions, for unbiased comparisons.
• Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Maximize rewards automatically at checkout with a tool that autofills the best card for each purchase.
• Earn extra rewards on top of your card's points through the Kudos Boost program when shopping at participating stores.

Who Should Choose the Chase Sapphire Preferred®?

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The Chase Sapphire Preferred® is an excellent choice for frequent travelers who want to earn valuable rewards and access robust travel protections without committing to a premium annual fee. It's often considered a top entry-level travel card, making it ideal for those just starting with travel rewards or anyone seeking a strong benefits package at a reasonable cost. However, individuals who travel only occasionally or prefer the simplicity of a no-annual-fee cash back card might find other options more suitable.

Who Should Choose the Hilton Honors American Express?

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The Hilton Honors American Express card is an excellent choice for budget-conscious travelers who stay with Hilton a few times a year but don't want to commit to an annual fee. It also appeals to everyday spenders who want to earn points on purchases at U.S. restaurants, supermarkets, and gas stations, and travelers looking to build their credit profile. With no annual fee and automatic Silver status, this card provides solid value for occasional guests, as detailed in our Hilton Amex review.

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Alternatives to Consider

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If our Chase Sapphire Preferred® vs. Hilton Honors American Express comparison didn't point you to a clear winner, don't worry. There are plenty of other excellent travel rewards cards on the market worth considering.

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Tips for Application Success

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Before You Apply

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• Check your credit score – You’ll typically need good to excellent credit for approval.
• Plan your spending – Make sure you can naturally meet the welcome offer’s spending requirement.
• Know the application rules – Be aware of issuer-specific restrictions, such as the Chase 5/24 rule.

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Application Strategy

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• Time your application to coincide with large planned purchases.
• Don’t accept a lower welcome offer if you are eligible for a higher one.
• Consider starting with a no-annual-fee card, like the Hilton Honors card, to build a relationship with an issuer.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I use Chase Ultimate Rewards points for Hilton stays?

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Yes, you can transfer Chase Ultimate Rewards points to the Hilton Honors program. However, the transfer ratio may not always provide the best value compared to other redemption options available through Chase.

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What is the main difference between flexible points and hotel-specific points?

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Flexible points like Chase Ultimate Rewards offer versatility, allowing transfers to numerous airline and hotel partners. Hotel-specific points, such as Hilton Honors, are tied to one brand and are primarily used for redemptions like free nights within that company's portfolio.

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Which card type is better for earning elite status?

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Co-branded hotel cards, like those in the Hilton Honors portfolio, are specifically designed to help you achieve elite status within that hotel loyalty program. The Chase Sapphire Preferred® Card focuses on flexible rewards and does not offer a direct path to hotel elite status.

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