Hilton Honors American Express Aspire Card vs. Chase Sapphire Preferred
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
Chase Sapphire Preferred
Chase
Hilton Honors American Express Aspire Card and Chase Sapphire Preferred 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; Chase Sapphire Preferred wins on first-year math and annual fee.
Pick the Chase Sapphire Preferred if year-one math is your priority; take the Chase Sapphire Preferred if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Chase Sapphire Preferred
Chase Sapphire Preferred is $455 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 5×).
- 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
- $95
- Welcome offer (typical value)
- $750
- $1,275
- First-year net
- +$200
- +$1,180
- Peak earning rate
- 14×
- 5×
- Top categories
- Hotels Resorts, Airfare, Car Rentals
- Chase Travel Portal, Dining, Travel
- Lounge access
- priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Hilton Honors
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.