Discover It vs American Express Hilton

Compare Rewards, Interest Rates, Fees, and Benefits

Discover It is an excellent cash back credit card with no annual fee and low interest rate. How does it compare to American Express Hilton, a travel and hotel card? Read our comparison chart below.

	Discover it® Cash Back	Hilton Honors American Express Card
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 15 months	N/A
Introductory APR for Balance Transfers	0% introductory APR for 15 months	N/A
Purchase APR	18.24% to 27.24% Variable based on your creditworthiness and other factors	19.99% to 28.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	18.24% to 27.24% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$0 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Discover will match all the cash back you've earned at the end of your first year (only for new cardmembers).
Introductory Bonus Hotel Rewards		Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Cash Back Rewards	1% cash back on all other purchases.
Bonus Cash Back	5% cash back on up to $1,500 in purchases in rotating categories that change each quarter (requires free and easy sign-up for 5% Cashback Bonus)* Limitations apply*. See issuer's website for additional program details.
Hotel Rewards		Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Hotel Status		Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
Gas Rewards		Earn 5X Points per dollar on purchases at U.S. gas stations.
Grocery Rewards		Earn 5X Points per dollar on purchases at U.S. supermarkets.
Dining Rewards		Earn 5X Points per dollar on purchases at U.S. restaurants.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: 5% bonus rotating categories Intro APR on purchases and balance transfers No foreign transaction fee No annual fee Cons: Some merchants don't accept Discover	Pros: Bonus points No annual fee Honors Silver status Cons: Not Visa/Mastercard
Bottom Line	Excellent cash back credit card with no annual fee and low interest rate... Read full review	Good secondary credit card to earn points for hotel stays... Read full review
	Read Discover It Review	Read American Express Hilton Review
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Discover it® Cash Back and Hilton Honors American Express Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Discover It: Pricing information including interest rates, rewards, benefits and fees was obtained on January 11, 2025 from published websites and is believed to be accurate, but not guaranteed. American Express Hilton: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 from published websites and is believed to be accurate, but not guaranteed.