Hilton Honors American Express Aspire Card vs. Bank of America Customized Cash Rewards credit card
On the criteria below, Hilton Honors American Express Aspire Card wins 4 of 6. The verdict depends on which criteria matter to you.
Hilton Honors American Express Aspire Card
Amex
Bank of America Customized Cash Rewards credit card
Bank of America
Hilton Honors American Express Aspire Card wins 4 of 6 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Aspire Card wins on earning ceiling, lounge access, travel insurance, and foreign transactions; Bank of America Customized Cash Rewards credit card wins on annual fee.
Take the Bank of America Customized Cash Rewards credit card if you want a cheaper card to keep long-term; the Hilton Honors American Express Aspire Card is the right call if you'll actually use the lounges.
Who wins what
4 vs 1 (1 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card is $550 cheaper to keep.
- Earning ceiling Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card earns more on its best category (14× vs 3×).
- Lounge access Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card includes lounge access; the other doesn't.
- Travel insurance Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card carries built-in travel insurance.
- Foreign transactions Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $550
- Free
- Welcome offer (typical value)
- $750
- $200
- First-year net
- +$200
- +$200
- Peak earning rate
- 14×
- 3×
- Top categories
- Hotels Resorts, Airfare, Car Rentals
- Choice Category, Grocery
- Lounge access
- priority-pass
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Hilton Honors
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.