10 Best Credit Cards for Honor You of October 2026
Top picks for Honor You from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Honor You, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Hilton Honors American Express Card earns the top spot for Honor You purchases at 2.0¢ per dollar at honor you — no annual fee. We ranked every card in our database against Honor You purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Hilton Honors American Express Card
American Express
- +Official cobrand card — earns Hilton Honors on all purchases
- +5x on Dining — points worth 0.4¢ each
- +70,000 points bonus (~$280 value)
Hilton Honors American Express Surpass Card
American Express
- +Official cobrand card — earns Hilton Honors on all purchases
- +6x on Dining — points worth 0.4¢ each
- +130,000 points bonus (~$520 value)
Hilton Honors American Express Aspire Card
American Express
- +Official cobrand card — earns Hilton Honors on all purchases
- +7x on Dining — points worth 0.4¢ each
- +Global Dining Access by Resy
Why Hilton Honors American Express Card wins for Honor You
Hilton Honors American Express Card earns 2.0¢ per dollar at Honor You, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Hilton Honors American Express CardAmerican Express | 5x Hilton Honors | 2.0¢/$ | $0 | — | amex |
| Hilton Honors American Express Surpass CardAmerican Express | 6x Hilton Honors | 2.4¢/$ | $150 | $100 | amex |
| Hilton Honors American Express Aspire CardAmerican Express | 7x Hilton Honors | 2.8¢/$ | $550 | $161.90 | amex |
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.0¢/$ | $95 | $10 | mastercard |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $13 | visa |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 4.8¢/$ | $595 | $333 | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 6.0¢/$ | $325 | $36 | amex |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards | 4.3¢/$ | $0 | — | visa |
| BMO EscapeBMO | 4x points | 4.0¢/$ | $150 | $36.50 | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 5.4¢/$ | $795 | $155 | visa |
More Options
How to maximize value at Honor You
- Use Hilton Honors American Express Card for Honor You purchases — it earns 2.0¢ per dollar at Honor You in our scoring.
- Shopping portals sometimes offer extra rewards at Honor You; check current portal rates before you buy.
- Pair Hilton Honors American Express Card with Hilton Honors American Express Surpass Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Honor You purchase around your card's welcome offer window — Hilton Honors American Express Card's sign-up bonus is worth roughly $280 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at Honor You?
- Hilton Honors American Express Card ranks #1 for Honor You in our list at 2.0¢ per dollar at Honor You — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at Honor You?
- Shopping portals sometimes offer extra rewards at Honor You; check current portal rates before you buy.
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