Capital One Savor Cash Rewards Credit Card vs Hilton Honors American Express Card
Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Hilton Honors American Express Card on dining.
Card data as of November 13, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Hilton Honors American Express CardAmerican Express · No annual fee
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0Hilton Honors American Express Card$0
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backHilton Honors American Express Card70,000 points
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backHilton Honors American Express CardHilton Honors
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneHilton Honors American Express CardNone
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteHilton Honors American Express CardAmerican Express
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Savor Cash Rewards Credit Card3%Hilton Honors American Express Card5x
- Gas Stations
- Capital One Savor Cash Rewards Credit Card1%Hilton Honors American Express Card5x
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%Hilton Honors American Express Card5x
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%Hilton Honors American Express Card3x
- Streaming
- Capital One Savor Cash Rewards Credit Card3%Hilton Honors American Express Card3x
- Everything else
- Capital One Savor Cash Rewards Credit Card1%Hilton Honors American Express Card3x
Perks & access— means none on record
- Hotel status & programs
- Capital One Savor Cash Rewards Credit Card—Hilton Honors American Express Card
- Automatic Hilton Honors Silver Elite Status
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Hilton Honors American Express Card- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
Hilton Honors American Express Card— - Rental car
- Capital One Savor Cash Rewards Credit Card—Hilton Honors American Express Card
- Car rental insurance (secondary coverage)
- Purchase & returns
- Capital One Savor Cash Rewards Credit Card—Hilton Honors American Express Card
- Up to $1,000 per item against damage or theft
- Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
Hilton Honors American Express Card— - Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Hilton Honors American Express Card- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- Capital One Savor Cash Rewards Credit Card
- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
Hilton Honors American Express Card- 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
- Capital One Savor Cash Rewards Credit Card
- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Hilton Honors American Express Card- 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
Expert Analysis
The Capital One Savor Cash Rewards Credit Card and Hilton Honors American Express Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Capital One Savor Cash Rewards Credit Card's strongest category is Dining at 4X, while the Hilton Honors American Express Card leads with 7X on Hilton Properties. Overall, the Hilton Honors American Express Card wins in more bonus categories (5 vs 1) — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Capital One Savor Cash Rewards Credit Card earns 4X on Entertainment vs 3X for the other
- Hilton Honors American Express Card earns 5X on Dining vs 4X for the other
- Hilton Honors American Express Card earns 5X on Grocery Stores vs 3X for the other
- Hilton Honors American Express Card has a higher base earn rate (3X vs 1X on non-bonus spending)
- Different networks: Capital One Savor Cash Rewards Credit Card is MASTERCARD, Hilton Honors American Express Card is AMEX
Spending Scenarios
Which card wins in real-world spending situations?
$100/month on entertainment
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 3X. Over a year, that's 4,800 vs 3,600 points — a 1,200-point advantage.
$400/month on dining
Hilton Honors American Express CardHilton Honors American Express Card earns 5X vs 4X. Over a year, that's 24,000 vs 19,200 points — a 4,800-point advantage.
$600/month on grocery stores
Hilton Honors American Express CardHilton Honors American Express Card earns 5X vs 3X. Over a year, that's 36,000 vs 21,600 points — a 14,400-point advantage.
Who Should Get Which?
Get the Capital One Savor Cash Rewards Credit Card if:
The Capital One Savor Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on entertainment. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Hilton Honors American Express Card if:
The Hilton Honors American Express Card is ideal for cardholders who prioritize spending heavily on dining and grocery stores and earning more on everyday purchases. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Hilton Honors American Express Card wins in 4 of 4 categories. The Capital One Savor Cash Rewards Credit Card leads in 0.
Dining
Hilton Honors American Express Card earns 5X vs 3X
Grocery Stores
Hilton Honors American Express Card earns 5X vs 3X
Gas Stations
Hilton Honors American Express Card earns 5X vs 1X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1X
Year One vs Ongoing Value
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.
Ongoing value favors the Capital One Savor Cash Rewards Credit Card; year-one value favors the Hilton Honors American Express Card.
| Scenario | Capital One Savor Cash Rewards Credit Card | Hilton Honors American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Rewards: $182 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $182 Year one: $462 | Capital One Savor Cash Rewards Credit Card | Hilton Honors American Express Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $730 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $730 Year one: $1,010 | Capital One Savor Cash Rewards Credit Card | Hilton Honors American Express Card |
Which Card Is Right for You?
Get the Hilton Honors American Express Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Ongoing value favors the Capital One Savor Cash Rewards Credit Card; year-one value favors the Hilton Honors American Express Card.
Everyday (non-bonus) spend earns 3X on the Hilton Honors American Express Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Hilton Honors American Express Card?
- The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Capital One Savor Cash Rewards Credit Card or the Hilton Honors American Express Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.