Card Comparison
Citi Thank You vs Hilton Honors American Express Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
None
70,000 points
Spend $2,000 in 6 months
Top Earn Rates
- Gas Stations 5x
- All Other Purchases 1x
- 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
Reward Type
miles
miles
Key Credits
None
None
Card Perks
None listed
- Hilton Honors Silver Status
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
No transfer partners
Common Questions: Citi Thank You vs Hilton Honors American Express Card
Is the Citi Thank You or Hilton Honors American Express Card better for dining?
Citi Thank You has no dining bonus; Hilton Honors American Express Card earns 5x on dining.
Which has the higher signup bonus in 2026?
Citi Thank You currently offers no current bonus. Hilton Honors American Express Card offers 70,000 pts signup bonus (spend $2,000 in 6 months). Hilton Honors American Express Card 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 Citi Thank You 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. Citi Thank You is from Citi and Hilton Honors American Express Card is from American Express, so they're governed by separate bank policies.