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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred American Express Hilton Honors Aspire

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Cash Preferred

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
—
Min spend
$3,000 / 6mo

Top earning rates

  • 6×U.S. supermarkets
  • 6×Select U.S. streaming subscriptions
  • 3×Gas at U.S. gas stations
  • 3×Transit

Key benefits

  • $120 Disney Streaming Credit · $10
  • Global Assist® Hotline · $0
  • Purchase Protection · $0
  • American Express Venue Collection · $0
  • Amex Special Ticket Access · $0
Full American Express Blue Cash Preferred review

American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Welcome value
~$800
Min spend
$6,000 / 6mo

Top earning rates

  • 14×Hotels and resorts within the Hilton Portfolio · Hilton Honors
  • 7×Car rentals purchased directly from select car rental companies · Hilton Honors
  • 7×Flights booked directly with airlines or flights booked through American Express Travel · Hilton Honors
  • 7×U.S. Restaurants · Hilton Honors

Key benefits

  • Free Night Reward at $30k (Spend Tier) · $350
  • Annual Free Night Reward · $350
  • $219 CLEAR+ Credit · $219
  • $400 Hilton Resort Credit · $200
  • $100 Waldorf Astoria & Conrad Property Credit · $100
Full American Express Hilton Honors Aspire review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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