Hilton Honors vs Platinum (Schwab)
Hilton Honors
$0/yr
7.5/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Hilton Honors charges no annual fee with 1X base rewards. Platinum (Schwab) 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
Hilton Honors
0 benefits vs 0
Statement Credits
Platinum (Schwab)
$1439 in annual credits
Flexibility
Hilton Honors
Transferable points to airline/hotel partners
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 (Schwab) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Schwab)Rewards 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 (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |