Hilton Honors American Express 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 Card
Amex
Capital One Savor Cash Rewards Credit Card
Capital One
Hilton Honors American Express 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 Card wins on first-year math; Capital One Savor Cash Rewards Credit Card wins on earning ceiling.
Pick the Hilton Honors American Express Card if year-one math is your priority.
Who wins what
1 vs 1 (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 Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card earns more on its best category (8× vs 7×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $400
- $250
- First-year net
- +$400
- +$250
- Peak earning rate
- 7×
- 8×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Capital One Entertainment, Travel Portal, Dining
- Lounge access
- No
- 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.