Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Bank of America Unlimited Cash Rewards Credit Card vs Hilton H...
Bank of America Unlimited Cash Rewards Credit Card vs Hilton Honors American Express Card
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Bank of America Unlimited Cash Rewards Credit Card vs Hilton Honors American Express Card
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Bank of America Unlimited Cash Rewards Credit Card vs Hilton Honors American Express Card
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card is better for all purchases ongoing, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Hilton Hotels Resorts
1X
7X
Dining
1X
5X
Grocery Stores
1X
5X
U.S. Gas Stations
1X
5X
All Purchases
1.5X
3X
Everything Else
1X
3X
Benefits & Features
Network
VISA
AMEX
Key Benefits
None
None
Pros & Cons
Pros
+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required
+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees
Cons
−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits
−Only Silver status (lower than Surpass/Aspire Gold grants)
−Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
−No annual credits or free night rewards
−Points locked to Hilton with no transfer flexibility
−Amex network less accepted internationally than Visa/Mastercard
+
+Do most of your spending at grocery stores
+Prefer a high flat rate across all spending
Hilton Hotels Resorts
1X
7X
Dining
1X
5X
Grocery Stores
1X
5X
U.S. Gas Stations
1X
5X
All Purchases
1.5X
3X
Everything Else
1X
3X
Benefits & Features
Network
VISA
AMEX
Key Benefits
None
None
Pros & Cons
Pros
+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required
+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees
Cons
−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits
−Only Silver status (lower than Surpass/Aspire Gold grants)
−Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
−No annual credits or free night rewards
−Points locked to Hilton with no transfer flexibility
−Amex network less accepted internationally than Visa/Mastercard
+
+Do most of your spending at grocery stores
+Prefer a high flat rate across all spending
Hilton Hotels Resorts
1X
7X
Dining
1X
5X
Grocery Stores
1X
5X
U.S. Gas Stations
1X
5X
All Purchases
1.5X
3X
Everything Else
1X
3X
Benefits & Features
Network
VISA
AMEX
Key Benefits
None
None
Pros & Cons
Pros
+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required
+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees
Cons
−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits
−Only Silver status (lower than Surpass/Aspire Gold grants)
−Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
−No annual credits or free night rewards
−Points locked to Hilton with no transfer flexibility
−Amex network less accepted internationally than Visa/Mastercard
CardRewards
