Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Bank of America Customized Cash Rewards Credit Card leads on dining; the Hilton Honors American Express Card on hotels.
Card data as of September 27, 2026.
Bank of America
American Express
Annual Fee
Welcome Bonus
| Category | Bank of America Customized Cash Rewards Credit Card | Hilton Honors American Express Card |
|---|---|---|
| Hotels | 1X | 7X |
The Hilton Honors American Express Card wins in 6 of 6 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0.
Dining
Hilton Honors American Express Card earns 5X vs 3X
Gas Stations
Hilton Honors American Express Card earns 5X vs 3X
Grocery Stores
Hilton Honors American Express Card earns 5X vs 2X
Wholesale Clubs
Hilton Honors American Express Card earns 3X vs 2X
Hotels
Hilton Honors American Express Card earns 7X vs 1X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Hilton Honors American Express Card on net value (rewards, usable credits, fees, and welcome offer).
Both scenarios favor the Hilton Honors American Express Card on net value (rewards, usable credits, fees, and welcome offer).
| Dining | 3X | 5X |
| Gas Stations | 3X | 5X |
| Grocery Stores | 2X | 5X |
| Cable Tv | 3X | 3X |
| Drugstores | 3X | 3X |
| Home Improvement | 3X | 3X |
| Online Shopping | 3X | 3X |
| Travel | 3X | 3X |
| Wholesale Clubs | 2X | 3X |
| Everything Else | 1X | 3X |
Network
Key Benefits
Pros
Cons
| Scenario |
|---|
| Bank of America Customized Cash Rewards Credit Card |
|---|
| Hilton Honors American Express Card |
|---|
| Ongoing winner |
|---|
| Year-one winner |
|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Rewards: $182 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $182 Year one: $502 | Hilton Honors American Express Card | Hilton Honors American Express Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | Rewards: $730 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $730 Year one: $1,050 | Hilton Honors American Express Card | Hilton Honors American Express Card |
Get the Hilton Honors American Express Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
