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.
Discover it Cash Back vs Hilton Honors American Express Card
Discover it Cash Back vs Hilton Honors American Express Card
Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, 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.
Discover it Cash Back vs Hilton Honors American Express Card
Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, 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.
Discover it Cash Back vs Hilton Honors American Express Card
Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, 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.
5X
Everything Else
1X
3X
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−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
5X
Everything Else
1X
3X
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−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
5X
Everything Else
1X
3X
−$1,500 quarterly cap on 5% categories limits high spenders
−After year one, effective earn rate drops significantly
−Base rate of 1% on non-bonus spending is below flat-rate alternatives
−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
