Hilton Honors vs Platinum
Hilton Honors
$0/yr
7.5/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
Hilton Honors charges no annual fee with 1X base rewards. Platinum charges $895/yr with 1X base rewards. Hilton Honors offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Hilton Honors
Lower annual fee ($0 vs $895)
Rewards Earning
Hilton Honors
5 earning categories
Benefits & Protection
Platinum
9 benefits vs 0
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Hilton Honors wins for most people
The $895 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton HonorsPREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
Hilton Honors
| Hilton hotels | 7.0X |
| US restaurants | 5.0X |
| US supermarkets | 5.0X |
| US gas stations | 5.0X |
| Everything else | 3.0X |
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Hilton Honors (0 benefits)
No benefits data available
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status