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All comparisons
Head-to-head, 2026

American Express Gold 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 GoldBigger welcome offer: American Express Gold

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 4×dining · Membership Rewards
  • 4×grocery · Membership Rewards
  • 3×flights · Membership Rewards
  • 2×travel · Membership Rewards

Key benefits

  • $100 The Hotel Collection Credit · $100
  • Car Rental Loss and Damage Insurance · $75
  • $100 Resy Credit · $50
  • Baggage Insurance Plan · $50
  • No Foreign Transaction Fees · $35
Full American Express Gold review

American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Welcome value
$900
Min spend
$6,000 / 6mo

Top earning rates

  • 14×Hilton purchases · Hilton Honors
  • 7×Flights · Hilton Honors
  • 7×Car rentals · Hilton Honors
  • 7×Dining · Hilton Honors

Key benefits

  • Hilton Honors Diamond Status · $750
  • Free Weekend Night · $500
  • Resort Spa Credit · $200
  • $400 Hilton Resort Credit · $200
  • $199 CLEAR Plus · $199
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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