Which card earns more rewards, the Savor Rewards from Capital One or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Savor Rewards from Capital One 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.

Which card earns more rewards, the Savor Rewards from Capital One or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Savor Rewards from Capital One 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.

Which card earns more rewards, the Savor Rewards from Capital One or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Savor Rewards from Capital One 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.

Savor Rewards from Capital One vs Hilton Honors American Express Card

Both cards cost $0/yr. The Savor Rewards from Capital One is better for capital one entertainment, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Savor Rewards from Capital One

Capital One

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

80,000 Hotel

Earn Rates

Category	Savor Rewards from Capital One	Hilton Honors American Express Card
Hilton Properties	1X	7X
Hilton Hotels Resorts	1X	7X
Dining	3X	5X
Grocery Stores	3X	5X
U.S. Gas Stations	1X	5X
Entertainment	3X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 6 categories. The Savor Rewards from Capital One leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 3X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1X

U.S. 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

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Savor Rewards from Capital One or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Savor Rewards from Capital One 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

Amex Blue Cash Everyday vs Capital One Savorone Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · American Express cards

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.

Savor Rewards from Capital One vs Hilton Honors American Express Card

Both cards cost $0/yr. The Savor Rewards from Capital One is better for capital one entertainment, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Savor Rewards from Capital One

Capital One

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

80,000 Hotel

Earn Rates

Category	Savor Rewards from Capital One	Hilton Honors American Express Card
Hilton Properties	1X	7X
Hilton Hotels Resorts	1X	7X
Dining	3X	5X
Grocery Stores	3X	5X
U.S. Gas Stations	1X	5X
Entertainment	3X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 6 categories. The Savor Rewards from Capital One leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 3X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1X

U.S. 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

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Savor Rewards from Capital One or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Savor Rewards from Capital One 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

Amex Blue Cash Everyday vs Capital One Savorone Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · American Express cards

Savor Rewards from Capital One vs Hilton Honors American Express Card

Both cards cost $0/yr. The Savor Rewards from Capital One is better for capital one entertainment, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Savor Rewards from Capital One

Capital One

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

80,000 Hotel

Earn Rates

Category	Savor Rewards from Capital One	Hilton Honors American Express Card
Hilton Properties	1X	7X
Hilton Hotels Resorts	1X	7X
Dining	3X	5X
Grocery Stores	3X	5X
U.S. Gas Stations	1X	5X
Entertainment	3X

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 6 categories. The Savor Rewards from Capital One leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 3X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1X

U.S. 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

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Prefer a high flat rate across all spending

Frequently Asked Questions

Which card earns more rewards, the Savor Rewards from Capital One or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Savor Rewards from Capital One 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

Amex Blue Cash Everyday vs Capital One Savorone Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Hilton Honors Amex

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · American Express cards