Hilton Honors American Express Aspire Card vs. Capital One Savor Cash Rewards Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Hilton Honors American Express Aspire Card
Amex
Capital One Savor Cash Rewards Credit Card
Capital One
Hilton Honors American Express Aspire Card and Capital One Savor Cash Rewards Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Hilton Honors American Express Aspire Card wins on earning ceiling and lounge access; Capital One Savor Cash Rewards Credit Card wins on first-year math and annual fee.
Pick the Capital One Savor Cash Rewards Credit Card if year-one math is your priority; take the Capital One Savor Cash Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Savor Cash Rewards Credit Card
Capital One Savor 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 8×).
- Lounge access Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $550
- Free
- Welcome offer (typical value)
- $750
- $250
- First-year net
- +$200
- +$250
- Peak earning rate
- 14×
- 8×
- Top categories
- Hotels Resorts, Airfare, Car Rentals
- Capital One Entertainment, Travel Portal, Dining
- Lounge access
- priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- 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.