American Express® Green vs Hilton Honors
Side-by-side comparison
| American Express® Green | Hilton Honors | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | 40,000 Membership Rewards® Points | |
| Dining | 3x | 5x |
| Groceries | 1x | 5x |
| Gas | 1x | 5x |
| Travel | 3x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $402 | $1,062 |
| Points type | Transfers to airlines & hotels | Locked to Hilton Honors |
| Network | Amex | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Green earns about $402 a year in rewards and the Hilton Honors about $1,062, valuing every point at a flat 1 cent. The American Express® Green charges $150, but carries about $199 in annual statement credits that offset it for anyone who uses them. The Hilton Honors has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Hilton Honors delivers more total value, about $710 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the American Express® Green earns points you can move to travel partners for outsized value, while the Hilton Honors stays locked to a single airline or hotel program. Favor the American Express® Green if you will use travel transfers, the Hilton Honors if you want simplicity. On the sign-up bonus, the Hilton Honors currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Green if your spending leans toward travel. Pick the Hilton Honors if your spending leans toward dining, groceries, gas.