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Side-by-side
Hilton Honors American Express Card vs BECU Low Rate Credit Card
Both are well-respected travel cards. The Hilton Honors American Express Card comes from American Express at $0/yr; the BECU Low Rate Credit Card from BECU at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Hilton Honors American Express Card | BECU Low Rate Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | No welcome bonus |
| Bonus value (est.) | - | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | American Express | BECU |
| Card category | travel | low-interest |
| Best earning category (Hilton_hotels) | 7x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Hilton Honors American Express Card
$0/yr ·
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Editorial take: BECU Low Rate Credit Card
Common questions
- Which card has the bigger sign-up bonus, Hilton Honors American Express Card or BECU Low Rate Credit Card?
- The BECU Low Rate Credit Card has a public bonus (No welcome bonus, worth roughly $0), 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 BECU Low Rate Credit Card?
- The Hilton Honors American Express Card has no annual fee, so the question is whether the BECU Low Rate Credit Card's $0 fee is justified by its perks. If you'll use enough of the BECU Low Rate Credit 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 BECU Low Rate Credit Card?
- Yes, since they're from different issuers (American Express and BECU) the application rules don't conflict. 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 BECU Low Rate Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Card: no published min spend. BECU Low Rate Credit Card: $0 in 0 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.