Which card earns more rewards, the Chase Freedom Unlimited or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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.

Chase Freedom Unlimited vs Hilton Honors American Express Card

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Chase Freedom Unlimited

Chase

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

80,000 Hotel

Earn Rates

Category	Chase Freedom Unlimited	Hilton Honors American Express Card
Hilton Properties	1.5X	7X
Hilton Hotels Resorts	1.5X	7X
Dining	3X	5X
Grocery Stores	1.5X	5X
U.S. Gas Stations	1.5X	5X
Drugstores	3X

Benefits & Features

Network

VISA

AMEX

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+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
−1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 6 categories. The Chase Freedom Unlimited leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1.5X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1.5X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 1.5X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 1.5X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 1.5X

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Do most of your spending at grocery stores
+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Chase Freedom Unlimited

Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase 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.

Chase Freedom Unlimited vs Hilton Honors American Express Card

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Chase Freedom Unlimited

Chase

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

80,000 Hotel

Earn Rates

Category	Chase Freedom Unlimited	Hilton Honors American Express Card
Hilton Properties	1.5X	7X
Hilton Hotels Resorts	1.5X	7X
Dining	3X	5X
Grocery Stores	1.5X	5X
U.S. Gas Stations	1.5X	5X
Drugstores	3X

Benefits & Features

Network

VISA

AMEX

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+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
−1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 6 categories. The Chase Freedom Unlimited leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1.5X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1.5X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 1.5X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 1.5X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 1.5X

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Do most of your spending at grocery stores
+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Chase Freedom Unlimited

Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · American Express cards

Chase Freedom Unlimited vs Hilton Honors American Express Card

Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.

Chase Freedom Unlimited

Chase

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

80,000 Hotel

Earn Rates

Category	Chase Freedom Unlimited	Hilton Honors American Express Card
Hilton Properties	1.5X	7X
Hilton Hotels Resorts	1.5X	7X
Dining	3X	5X
Grocery Stores	1.5X	5X
U.S. Gas Stations	1.5X	5X
Drugstores	3X

Benefits & Features

Network

VISA

AMEX

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+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
−1.5% base rate lower than Freedom Flex's 5% rotating categories
Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

The Hilton Honors American Express Card wins in 6 of 6 categories. The Chase Freedom Unlimited leads in 0.

Dining

Hilton Honors American Express Card earns 5X vs 3X

Hilton Properties

Hilton Honors American Express Card earns 7X vs 1.5X

Hilton Hotels Resorts

Hilton Honors American Express Card earns 7X vs 1.5X

Grocery Stores

Hilton Honors American Express Card earns 5X vs 1.5X

U.S. Gas Stations

Hilton Honors American Express Card earns 5X vs 1.5X

Everyday purchases

Hilton Honors American Express Card earns 3X on all other spending vs 1.5X

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Do most of your spending at grocery stores
+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1.5X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Chase Freedom Unlimited

Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · American Express cards