Chase Sapphire Preferred vs Hilton Honors American Express Card
Get the clearer winner first, see the specific exception case, and only personalize further if the decision is genuinely close.
This decision depends on what you value most.
The Chase Sapphire Preferred and Hilton Honors American Express Card are closely matched. Chase Sapphire Preferred wins on 2 categories (100,000 pts signup bonus); Hilton Honors American Express Card wins on 2 (70,000 pts signup bonus). The better pick depends on your spending patterns.
Use the short personalization step below to weigh fees, category spend, and your current wallet.
Neither card cleanly wins on the baseline facts, so your spending and benefits you will actually use should decide it.
The measurable gap is narrow, so your actual spend mix and card ecosystem matter more than the headline winner.
Why we picked this winner
- Chase Sapphire Preferred wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Hilton Honors American Express Card reaches 7x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Hilton Honors American Express Card is no annual fee.
- Current public bonus values are approximately $1000 and $700.
Close call
The measurable gap is narrow, so your actual spend mix and card ecosystem matter more than the headline winner.
Which Card Comes Out Ahead?
Chase Sapphire Preferred and Hilton Honors American Express Card are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if your main priority is the larger current welcome offer.
Best if you care most about stronger category earning on everyday spend.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
Hilton Honors American Express Card
Assumptions: default assumptions
Hilton Honors American Express Card still comes out ahead after a light personalization pass, which suggests the recommendation is fairly robust.
- Chase Travel 5x
- Dining 3x
- Gas Stations 3x
- hotels and resorts in the Hilton portfolio 7x
- Dining At U.S. restaurants, including takeout and delivery, Groceries At U.S. supermarkets, Gas At U.S. gas stations 5x
- All Other Purchases 3x
- Chase Travel Hotel Credit $100
- Global Entry / TSA PreCheck / NEXUS Credit $120
- DoorDash Monthly Promo $10
- DashPass
- Apple TV Benefit
- 5x on Lyft Rides
- +7 more
- Hilton Honors Silver Status
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +10 more
- United MileagePlus
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Preferred and Hilton Honors American Express Card are closely matched. Chase Sapphire Preferred wins on 2 categories (100,000 pts signup bonus); Hilton Honors American Express Card wins on 2 (70,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Chase Sapphire Preferred tops out at 5x versus 7x for Hilton Honors American Express Card. Current signup bonus values are roughly $1000 for Chase Sapphire Preferred and $700 for Hilton Honors American Express Card. Summary generated August 27, 2026. Source: https://cardcurator.ai/compare/chase-sapphire-preferred-vs-hilton-honors-american-express-card
- Chase Sapphire Preferred wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Hilton Honors American Express Card reaches 7x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Hilton Honors American Express Card is no annual fee.
- Current public bonus values are approximately $1000 and $700.
Common Questions: Chase Sapphire Preferred vs Hilton Honors American Express Card
Is the Chase Sapphire Preferred or Hilton Honors American Express Card better for dining?
Chase Sapphire Preferred earns 3x on dining; Hilton Honors American Express Card earns 5x on dining. Hilton Honors American Express Card wins for dining.
Which has the higher signup bonus in 2026?
Chase Sapphire Preferred currently offers 100,000 pts signup bonus (spend $5,000 in 3 months). Hilton Honors American Express Card offers 70,000 pts signup bonus (spend $2,000 in 6 months). Chase Sapphire Preferred has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Preferred and the Hilton Honors American Express Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Preferred is from Chase and Hilton Honors American Express Card is from American Express, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.