Hilton Honors American Express Card vs. Bank of America Customized Cash Rewards credit card
On the criteria below, Hilton Honors American Express Card wins 4 of 5. The verdict depends on which criteria matter to you.
Hilton Honors American Express Card
Amex
Bank of America Customized Cash Rewards credit card
Bank of America
Hilton Honors American Express Card wins 4 of 5 criteria here, making it the stronger all-rounder.
Hilton Honors American Express Card leads on first-year math, earning ceiling, travel insurance, and foreign transactions, while Bank of America Customized Cash Rewards credit card only ties the rest.
Pick the Hilton Honors American Express Card if year-one math is your priority.
Who wins what
4 vs 0 (1 tie)- First-year math Hilton Honors American Express Card
Hilton Honors American Express Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Hilton Honors American Express Card
Hilton Honors American Express Card earns more on its best category (7× vs 3×).
- Travel insurance Hilton Honors American Express Card
Hilton Honors American Express Card carries built-in travel insurance.
- Foreign transactions Hilton Honors American Express Card
Hilton Honors American Express Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $400
- $200
- First-year net
- +$400
- +$200
- Peak earning rate
- 7×
- 3×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Choice Category, Grocery
- Lounge access
- No
- 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.