Amex Hilton Honors vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Hilton Honors wins 3-2. No-fee Hilton card, solid for occasional Hilton stays. Capital One Venture X is still the right call if premium travel, $395 fee easily offset by $300 travel credit + 10k anniversary miles..
Side-by-side
| Criterion | Amex Hilton Honors | Capital One Venture X |
|---|---|---|
| Annual fee | No annual fee | · $395 |
| Joining fee | = None | = None |
| Top reward rate | · 7% (travel) | 10% (travel) |
| Base reward rate | 3% | · 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Hilton points after $2,000 spend in 6 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.1/5 | 4.7/5 |
Benefits compared
Amex Hilton Honors
- 7x Hilton Honors points at Hilton hotels
- 5x at US restaurants + gas stations
- 3x on everything else
- Hilton Honors Silver status
- No annual fee, no foreign transaction fees
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Amex Hilton Honors vs Capital One Venture X: which is better?
Amex Hilton Honors wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Hilton Honors for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Hilton Honors: 70,000 Hilton points after $2,000 spend in 6 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.