Hilton Honors American Express Card vs. Citi Double Cash 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
Citi Double Cash Card
Citi
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 Citi Double Cash 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 5×).
- 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×
- 5×
- Top categories
- Hotels Resorts, Dining, U.S. Supermarkets
- Travel Portal
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Hilton Honors
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.