Head to head

Hilton Honors American Express Card vs. Chase Freedom Flex

On the criteria below, Hilton Honors American Express Card wins 3 of 4. The verdict depends on which criteria matter to you.

Hilton Honors American Express Card

Amex

Chase

At a glance

Hilton Honors American Express Card wins 3 of 4 criteria here, making it the stronger all-rounder.

Hilton Honors American Express Card leads on first-year math, earning ceiling, and foreign transactions, while Chase Freedom Flex only ties the rest.

Pick the Hilton Honors American Express Card if year-one math is your priority.

3 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 5×).
Foreign transactions Hilton Honors American Express Card

Hilton Honors American Express Card has a lower (or zero) foreign transaction fee.

Annual fee: Free; Free
Welcome offer (typical value): $400; $200
First-year net: +$400; +$200
Peak earning rate: 7×; 5×
Top categories: Hotels Resorts, Dining, U.S. Supermarkets; Rotating Quarterly, Chase Travel, Dining
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: Yes; No
Foreign transaction fee: None; 3.00%
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.