Hilton Honors American Express Card vs Marriott Bonvoy Bevy American Express Card
Annual fees: Hilton Honors American Express Card $0/yr, Marriott Bonvoy Bevy American Express Card $250/yr. Strongest bonus categories: Hilton Honors American Express Card on dining, Marriott Bonvoy Bevy American Express Card on dining.
Card data as of November 13, 2026.
Hilton Honors American Express CardAmerican Express · No annual fee
Marriott Bonvoy Bevy American Express CardAmerican Express · $250/yr
Overview
- Annual fee
- Hilton Honors American Express Card$0LowestMarriott Bonvoy Bevy American Express Card$250
- Welcome offerCurrent public offer
- Hilton Honors American Express Card70,000 pointsMarriott Bonvoy Bevy American Express Card85,000 points
- Rewards
- Hilton Honors American Express CardHilton HonorsMarriott Bonvoy Bevy American Express CardMarriott Bonvoy
- Foreign transaction fee
- Hilton Honors American Express CardNoneMarriott Bonvoy Bevy American Express CardNone
- Network
- Hilton Honors American Express CardAmerican ExpressMarriott Bonvoy Bevy American Express CardAmerican Express
Earn ratesPer $1 spent
- Dining
- Hilton Honors American Express Card5xHighestMarriott Bonvoy Bevy American Express Card4x
- Gas Stations
- Hilton Honors American Express Card5xHighestMarriott Bonvoy Bevy American Express Card2x
- Grocery Stores
- Hilton Honors American Express Card5xHighestMarriott Bonvoy Bevy American Express Card4x
- Everything else
- Hilton Honors American Express Card3xHighestMarriott Bonvoy Bevy American Express Card2x
Perks & access— means none on record
- Hotel status & programs
- Hilton Honors American Express Card
- Automatic Hilton Honors Silver Elite Status
Marriott Bonvoy Bevy American Express Card- Automatic Marriott Bonvoy Gold Elite Status
- 15 Elite Night Credits annually
- Other perks
- Hilton Honors American Express Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- No foreign transaction fees
Marriott Bonvoy Bevy American Express Card- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- Premium Internet Access
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Hilton Honors American Express Card—Marriott Bonvoy Bevy American Express Card
- Trip delay reimbursement · up to $300
- Rental car
- Hilton Honors American Express Card
- Car rental insurance (secondary coverage)
Marriott Bonvoy Bevy American Express Card- Car rental insurance
- Purchase & returns
- Hilton Honors American Express Card
- Up to $1,000 per item against damage or theft
Marriott Bonvoy Bevy American Express Card- Up to $10,000 per item against damage or theft
- Extended warranty
- Hilton Honors American Express Card—Marriott Bonvoy Bevy American Express Card
- Extended warranty adds up to 1 year
- Other protections
- Hilton Honors American Express Card
- Zero liability protection on fraudulent charges
Marriott Bonvoy Bevy American Express Card- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- 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
Marriott Bonvoy Bevy American Express Card- Automatic Gold Elite status with 25% bonus points, upgrades, and late checkout
- 15 Elite Night Credits annually toward Platinum qualification
- Free Night Award at $15K spend (lower threshold than Business card's $60K)
- Strong 4x earning on restaurants worldwide and U.S. supermarkets (combined $15K/year cap)
- 6x at Marriott properties
- Cons
- 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
Marriott Bonvoy Bevy American Express Card- Only Gold Elite status (Platinum requires Brilliant)
- Free Night Award capped at 50,000 points (lower than Brilliant's 85K)
- No lounge access benefit
- 4x categories have combined $15,000 annual cap (then drops to 2x)
- American Express acceptance more limited internationally
Category-by-Category Winner
The Hilton Honors American Express Card wins in 4 of 4 categories. The Marriott Bonvoy Bevy American Express Card leads in 0.
Dining
Hilton Honors American Express Card earns 5X vs 4X
Grocery Stores
Hilton Honors American Express Card earns 5X vs 4X
Gas Stations
Hilton Honors American Express Card earns 5X vs 2X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 2X
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 Hilton Honors American Express Card; year-one value favors the Marriott Bonvoy Bevy American Express Card.
| Scenario | Hilton Honors American Express Card | Marriott Bonvoy Bevy American Express Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $182 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $182 Year one: $462 | Rewards: $168 Credits (our usable estimate): $0 − Annual fee ($250) Ongoing: -$82 Year one: $513 | Hilton Honors American Express Card | Marriott Bonvoy Bevy American Express Card |
| Heavy spender: $4,000/month | Rewards: $730 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $730 Year one: $1,010 | Rewards: $672 Credits (our usable estimate): $0 − Annual fee ($250) Ongoing: $422 Year one: $1,017 | Hilton Honors American Express Card | Marriott Bonvoy Bevy American Express Card |
Is the Fee Difference Worth It?
The Marriott Bonvoy Bevy American Express Card costs $250/yr — that's $250 more than the Hilton Honors American Express Card (no annual fee). To justify that gap, you need to extract at least $250 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $250 fee gap means the Marriott Bonvoy Bevy American Express Card needs roughly $250 more in annual rewards (or credits you will use) to break even on dining and grocery stores and everyday spend.
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 Hilton Honors American Express Card; year-one value favors the Marriott Bonvoy Bevy American Express Card.
Everyday (non-bonus) spend earns 3X on the Hilton Honors American Express Card vs 2X on the other card.
Published annual fees: Hilton Honors American Express Card $0/yr, Marriott Bonvoy Bevy American Express Card $250/yr — a $250 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Marriott Bonvoy Bevy American Express Card worth the higher annual fee?
- The Marriott Bonvoy Bevy American Express Card costs $250/yr vs $0/yr for the Hilton Honors American Express Card. Compare the year-one vs ongoing value table on this page — the $250 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Hilton Honors American Express Card or Marriott Bonvoy Bevy American Express Card?
- The Hilton Honors American Express Card has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.
- Should I get the Hilton Honors American Express Card or the Marriott Bonvoy Bevy American Express Card?
- Use the spend scenarios on this page: the Hilton Honors American Express Card has a lower $0/yr fee; the Marriott Bonvoy Bevy American Express Card must earn enough extra (or offer a larger welcome bonus) to justify $250/yr.
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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.