Many prime rewards bank cards embrace annual charges. In alternate for this up-front value, you possibly can unlock greater incomes charges, extra journey perks and annual rewards.
That stated, many issuers (and their cobranded loyalty program companions) supply no-annual-fee merchandise that may nonetheless be first rate choices for extra informal vacationers.
In the event you’re searching for a resort bank card on this class, it’s best to know in regards to the Marriott Bonvoy Daring® Credit score Card and the Hilton Honors American Categorical Card. Each of those playing cards get you immediate low-level standing and award you invaluable resort factors with each buy, all with out an annual payment (see charges and charges of the Hilton Honors Amex).
This is a head-to-head comparability of the Marriott Bonvoy Daring and Hilton Honors Amex that will help you resolve which can be the only option in your wants.
Associated: Greatest resort bank cards
Marriott Bonvoy Daring vs. Hilton Honors Amex comparability
| Card | Marriott Bonvoy Daring | Hilton Honors Amex |
|---|---|---|
| Welcome supply | Earn 60,000 Marriott Bonvoy factors and a free evening reward (valued as much as 50,000 factors) after spending $2,000 on purchases throughout the first three months from account opening. Sure lodges have resort charges. | Earn 100,000 Hilton Honors factors after spending $2,000 in purchases throughout the first six months from account opening. This supply ends Jan. 8, 2025. |
| Annual payment | $0 | $0 (see charges and charges) |
| Incomes charges |
|
|
| Per-point worth (based mostly on TPG’s October 2024 valuations) | 0.85 | 0.6 |
| Advantages |
|
|
*Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**Eligibility and profit stage varies by card. Not all car sorts or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
Marriott Bonvoy Daring vs. Hilton Honors Amex welcome supply
Each Marriott and Hilton supply these no-annual-fee playing cards with compelling bonus affords. In the event you’re an enormous fan of journey and benefit from the consolation of a name-brand resort, you might wish to take into account one in all these profitable bonuses.
The Marriott Bonvoy Daring is at the moment providing 60,000 bonus factors after cardholders spend $2,000 on purchases within the first three months. These bonus factors alone are sufficient for a free evening (or extra) at many Marriott properties — which now quantity greater than 8,000 worldwide throughout over 30 manufacturers in round 140 international locations worldwide. Plus, the Marriott Bonvoy Daring’s present bonus additionally affords a free evening reward of as much as 50,000 factors in worth — making the present welcome supply the very best we have seen on this card. Sure lodges have resort charges.
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In the event you use the free evening award for the complete 50,000 factors, the Daring’s welcome bonus is price $935, per TPG’s October 2024 valuations. That is a stable worth for a card with no annual payment.
The Hilton Honors Amex is at the moment providing new cardholders 100,000 Hilton Honors bonus factors after they spend $2,000 in purchases throughout the first six months from account opening. This supply ends on Jan. 8, 2025.
The Hilton Honors Amex’s welcome bonus is price $600, per TPG’s October 2024 valuations. We have beforehand seen 130,000 whole bonus factors supplied on this card, however this was earned in increments of 80,000 factors after spending $1,000 within the first three months of card membership, after which 50,000 extra bonus factors after spending $5,000 whole within the first six months. (Supply not out there.)
Contemplating that this 100,000 factors bonus kicks in after spending $2,000 in six months, the present supply is simpler to earn than the very best we have discovered up to now.
Winner: Marriott Bonvoy Daring. It is at the moment providing a extra invaluable welcome bonus, particularly in the event you make the most of the welcome supply’s free evening award for the complete 50,000-point allotment.
Associated: This month’s greatest welcome affords
Marriott Bonvoy Daring vs. Hilton Honors Amex advantages
With the Marriott Bonvoy Daring, you will routinely earn Bonvoy Silver standing. Silver standing is not too thrilling, nevertheless it comes with a number of perks, together with a ten% bonus on factors earned for Marriott stays, precedence late checkout (when out there) and complimentary Wi-Fi. Take a look at our information to Marriott Bonvoy elite standing for extra info.
The Hilton Honors Amex consists of complimentary Silver standing for all cardholders. Like Marriott, Hilton Silver can be considerably unexciting, supplying you with a 20% level bonus and elite rollover nights. Nevertheless, Hilton’s fifth evening free on award stays can be solely out there to elite members, so this perk alone will be invaluable you probably have sufficient factors (and trip time) for a keep of not less than 5 nights.
Plus, each the Daring and Hilton Amex supply pathways to greater tiers.
The Daring provides you 5 elite evening credit per 12 months that will help you work towards greater standing and extra perks when staying with Marriott. With the Hilton Amex, you get automated Gold standing after spending $20,000 on the cardboard in a 12 months. For anybody who plans to make use of both card regularly, this could be a nice choice to unlock an elite tier that is far more profitable. Nevertheless, you may be sacrificing worth by not making these purchases with a card that is good for on a regular basis spending.
Each playing cards include no overseas transaction charges (see charges and charges for the Hilton Honors Amex), so you should utilize the cardboard when touring outdoors the U.S. with out incurring charges. Past that, the playing cards include a reasonable record of journey and buy advantages — although one card stands out on this class.
The Marriott Bonvoy Daring and Hilton Honors Amex each embrace buy safety*. The place they differ is that the Daring card consists of baggage delay insurance coverage, misplaced baggage reimbursement and journey delay reimbursement protection – a stable package deal of additional perks for a card with no annual payment. The Hilton Honors Amex affords prolonged guarantee* and automobile rental insurance coverage.**
*Eligibility and profit ranges range by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**Eligibility and profit stage varies by card. Not all car sorts or leases are lined, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable via American Categorical Journey Associated Companies Firm, Inc.
Winner: Marriott Bonvoy Daring. It has extra journey protections and a better path to greater elite standing.
Incomes factors with the Marriott Bonvoy Daring vs. Hilton Honors Amex
With each swipe, faucet, dip or on-line buy with both card, you possibly can earn factors redeemable free of charge resort nights (amongst different redemption choices, which we’ll talk about later). Every one works a bit of in a different way right here.
With the Marriott Bonvoy Daring, you will earn 3 factors per greenback on eligible purchases at lodges collaborating in Marriott Bonvoy, 2 factors per greenback spent at grocery shops and on ride-hailing, choose meals supply, choose streaming, web, cable and telephone providers and 1 level per greenback on different purchases.
Nevertheless, remember that the three factors per greenback you earn with the Daring on Marriott purchases are added to the ten factors per greenback you earn as a Marriott Bonvoy member and one other 1 level per greenback you get with automated Silver standing, which brings the overall factors per greenback spent with Marriott to 14 if you use the cardboard. That is an 11.9% return in your spending when utilizing TPG’s October 2024 valuation of Marriott Bonvoy factors at 0.85 cents per greenback.
In the meantime, the Hilton Honors Amex awards 7 factors per greenback on eligible purchases made straight with Hilton Inns and Resorts. This consists of paying in your room and on-site spending at eating places and spas.
Just like the Daring with Marriott purchases, nonetheless, the Hilton Honors Amex really earns greater than the bottom charge if you transact with Hilton. Along with the 7 factors per greenback netted with the Hilton Honors Amex, cardholders will get a further 12 factors per greenback spent, due to the complimentary Hilton Honors Silver standing. Thus, you are taking a look at a complete of 19 factors per greenback, or an 11.4% return in your spending when utilizing TPG’s October 2024 valuation of Hilton Honors factors at 0.6 cents per greenback.
The Hilton Amex actually shines compared to the Daring in terms of non-hotel spending. You will earn 5 factors per greenback at U.S. eating places (together with takeout and supply), U.S. supermarkets and U.S. fuel stations and three factors per greenback all over the place else.
Winner: Hilton Honors Amex. It comes with significantly better earnings charges in standard spending classes.
Associated: The perfect no annual payment bank cards
Redeeming factors with the Marriott Bonvoy Daring vs. Hilton Honors Amex
The Marriott Bonvoy Daring awards factors that can be utilized for Marriott stays, transfers to airline companions and different redemptions. Nevertheless, utilizing your factors free of charge nights at Marriott lodges often provides you the very best worth.
TPG managing editor Matt Moffitt just lately redeemed 78,000 Marriott Bonvoy factors for a two-night keep at Caro & Selig Tegernsee, a mountain city an hour south of Munich.
Marriott makes use of a dynamic pricing mannequin, which implies that redemption charges fluctuate based mostly on numerous components, together with money charges. You need to use a mixture of Marriott Bonvoy factors and money in your subsequent keep by using the Marriott Money + Factors charge, which may supply an excellent deal in the event you’re low on factors or if it offers higher worth than reserving with solely factors.
In the event you’re redeeming factors for 5 consecutive nights underneath the identical reservation on the identical Marriott resort, you will be eligible for the “Keep for five, Pay for 4” profit, which permits Marriott Bonvoy members to get the bottom point-value free for each 5 consecutive nights redeemed with Marriott Bonvoy factors. This perk is routinely utilized to eligible bookings and may help you stretch your factors for longer stays you probably have the power to take action.
Hilton Honors redemptions aren’t all that completely different from Marriott’s. Free stays at Hilton usually fluctuate, so it is essential to do your analysis to seek out the very best worth in your factors.
Just like Marriott, your fifth evening is free on award stays with Hilton elite standing, which is an automated perk on the Hilton Honors Amex and may stretch your factors additional.
TPG bank cards editor Emily Thompson maximized her Hilton Honors factors by benefiting from the loyalty program’s fifth-night free perk on her journey to London.
Hilton Honors additionally affords the choice to ebook with factors and money in the event you favor — however in any case, it’s best to seek the advice of this system’s Factors Explorer software to get a really feel for a way a lot your award stays will value.
You threat getting a a lot decrease worth per level if you redeem Marriott or Hilton factors for something aside from free nights, so remember to crunch the numbers to be sure to get the very best worth per level on each redemption.
Winner: This one is a tie. Since each loyalty packages make the most of dynamic reward pricing and supply related advantages with these playing cards, it is as much as you to find out in the event you get extra worth from stays at Marriott or Hilton properties.
Ought to I get the Marriott Bonvoy Daring or Hilton Honors Amex?
Each the Marriott Bonvoy Daring and Hilton Honors Amex can supply stable worth for informal vacationers loyal to both Marriott Bonvoy or Hilton Honors. The cardboard that is greatest for you goes to rely upon which model you favor and the way you will make the most of every card’s respective perks. In the event you’re firmly towards paying an annual payment, both choice may very well be a good selection so as to add to your pockets.
Associated: How to decide on a resort bank card
Backside line
For no-annual-fee journey rewards playing cards, the Marriott Bonvoy Daring Credit score Card and Hilton Honors American Categorical Card ship ongoing worth via helpful advantages and invaluable redemption alternatives.
In the event you’re a fan of one in all these loyalty packages however do not wish to pay an out-of-pocket value for a cobranded card, both of those playing cards may very well be an excellent choose. Nevertheless, frequent vacationers may discover that it is price making use of for a cobranded card with a better annual payment to entry many extra advantages.
To study extra, learn our full critiques of the Marriott Bonvoy Daring and the Hilton Honors Amex.
Apply right here: Marriott Bonvoy Daring
Apply right here: Hilton Honors Amex
For charges and charges of the Hilton Honors Amex, please click on right here.
