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Head-to-head, 2026

American Express Hilton Honors Aspire American Express Schwab Platinum

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

Lower annual fee: American Express Hilton Honors AspireBigger welcome offer: American Express Schwab Platinum

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×Flights booked directly with airlines or flights booked through American Express Travel · Hilton Honors
  • 7×Car rentals purchased directly from select car rental companies · Hilton Honors
  • 3×All other eligible purchases · 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

American Express

Schwab Platinum

Annual fee
$895
Network
amex
Welcome value
~$1,600
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights purchased directly from airlines or through American Express Travel · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • $300 SoulCycle At-Home Bike Credit · $300
  • $219 CLEAR+ Credit · $219
  • $200 Oura Ring Credit · $200
Full American Express Schwab Platinum 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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