Gemini Credit Card vs Hilton Honors
Side-by-side comparison
| Gemini Credit Card | Hilton Honors | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | |
| Dining | 3x | 5x |
| Groceries | 2x | 5x |
| Gas | 4x | 5x |
| Travel | 1x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $476 | $1,062 |
| Points type | Cash back only | Locked to Hilton Honors |
| Network | Mastercard | 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 Gemini Credit Card earns about $476 a year in rewards and the Hilton Honors about $1,062, valuing every point at a flat 1 cent. The Gemini Credit Card has no annual fee, so its rewards are all profit. The Hilton Honors has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Hilton Honors delivers more total value, about $586 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. 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 Hilton Honors if your spending leans toward dining, groceries, gas.