American Express Schwab Investor Card vs Hilton Honors American Express Aspire

Common questions

Which card has the bigger sign-up bonus, American Express Schwab Investor Card or Hilton Honors American Express Aspire?

The Hilton Honors American Express Aspire has the bigger bonus, 175,000 points, worth roughly $875, versus 10,000 Membership Rewards points (~$110) on the American Express Schwab Investor Card.

Is the American Express Schwab Investor Card's $0 annual fee worth it compared to the Hilton Honors American Express Aspire?

The American Express Schwab Investor Card has no annual fee, so the question is whether the Hilton Honors American Express Aspire's $550 fee is justified by its perks. If you'll use enough of the Hilton Honors American Express Aspire's benefits to clear $550 in value annually, it's worth it; otherwise stick with the American Express Schwab Investor Card.

Can I have both the American Express Schwab Investor Card and Hilton Honors American Express Aspire?

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 American Express Schwab Investor Card or the Hilton Honors American Express Aspire first?

Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Schwab Investor Card: $1,000 spend in 6 months. Hilton Honors American Express Aspire: $6,000 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.