Hilton Honors American Express Aspire Card vs. Bank of America Unlimited 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 Unlimited 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 Unlimited Cash Rewards credit card wins on first-year math and annual fee.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority; take the Bank of America Unlimited Cash Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
4 vs 2- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited 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 0×).
- 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
- $250
- First-year net
- +$200
- +$250
- Peak earning rate
- 14×
- —
- Top categories
- Airfare, Car Rentals, Dining
- —
- 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.