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Hilton Honors American Express Card vs American Express Schwab Investor Card
Both are travel travel cards. The Hilton Honors American Express Card comes from American Express at $0/yr; the American Express Schwab Investor Card from American Express at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from American Express and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The American Express Schwab Investor Card costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Hilton Honors American Express Card | American Express Schwab Investor Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | 10,000 Membership Rewards points |
| Bonus value (est.) | - | $110 |
| Min spend to unlock bonus | - | $1,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | travel | travel |
| Best earning category (Hilton_hotels) | 7x | 1x |
| Transfer partners | None | amex-mr |
| Headline benefits |
|
Read the full review
Hilton Honors American Express Card
$0/yr ·
Read the full review
American Express Schwab Investor Card
$0/yr · 10,000 Membership Rewards points
Editorial take: American Express Schwab Investor Card
The hidden gem of the Amex MR lineup for Schwab brokerage customers. Flat 1.5X MR with $0 annual fee, full transfer-partner access, AND a 1.0 cents-per-point cash-into-brokerage redemption guarantees you can always extract real cash. The catch: you need a Schwab brokerage account to apply.
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors American Express Card or American Express Schwab Investor Card?
- The American Express Schwab Investor Card has a public bonus (10,000 Membership Rewards points, worth roughly $110), while the Hilton Honors American Express Card doesn't advertise one right now.
- Is the Hilton Honors American Express Card's $0 annual fee worth it compared to the American Express Schwab Investor Card?
- The Hilton Honors American Express Card has no annual fee, so the question is whether the American Express Schwab Investor Card's $0 fee is justified by its perks. If you'll use enough of the American Express Schwab Investor Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Hilton Honors American Express Card.
- Can I have both the Hilton Honors American Express Card and American Express Schwab Investor Card?
- Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Hilton Honors American Express Card or the American Express Schwab Investor Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Card: no published min spend. American Express Schwab Investor Card: $1,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.