Compare Cards: HSBC Elite Credit Card vs. Hilton Honors American Express Aspire Card vs. Marriott Bonvoy Brilliant® American Express® Card

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Earning Rates	HSBC Elite Credit Card HSBC premiumtransferable Details	Hilton Honors American Express Aspire Card American Express premiumhotelairlinetransferable Details	Marriott Bonvoy Brilliant® American Express® Card American Express lounge-accesspremiumhoteltransferable Details
First-year value Welcome offer + annual credits − annual fee	+$625	+$1,259	+$450
Annual Fee	$495	$550	$650
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	75,000 pts Earn 75,000 bonus points after spending $4,000 in the first 3 months. Spend $4,000 in 3 mo	200,000 pts Limited-time offer: Earn 200,000 Hilton Honors Bonus Points after you spend $6,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $6,000 in 6 mo	100,000 pts Earn 100,000 Marriott Bonvoy bonus points after spending $6,000 on purchases in the first 6 months. Spend $6,000 in 6 mo
Network	mastercard	amex	amex
Earning Rates
All other purchases	1×	—	—
Car rentals	—	7× On car rentals booked directly from select car rental companies	—
Dining	2×	—	—
Eligible travel	5×	—	—
Flights	—	7× On flights booked directly with airlines or through Amex Travel	5× Booked directly with airlines
Hilton purchases	—	14× On eligible purchases made directly with hotels and resorts within the Hilton portfolio	—
Marriott	—	—	6× On paid stays at Marriott Bonvoy properties
Other	—	3× All other eligible purchases	1×
Other travel	2×	—	—
Restaurants	—	—	3× U
U.S. restaurants	—	7× At U	—
Benefits & Credits	Annual Credits Global Entry Credit - Up to $120 credit for Global Entry, TSA PreCheck, CLEAR or NEXUS, once every 4 Travel Credit - $250 annual travel credit Other Benefits Priority Pass Lounge Access: Unlimited Priority Pass lounge access for cardholder and guests Lyft Premium: Complimentary Lyft Pink membership Peloton membership: Complimentary Peloton All-Access membership (up to $60/month) Fine Hotels & Resorts (FHR): Access to Amex FHR program benefits Annual fee offset: Points can be redeemed to offset the $495 annual fee at preferential rate Airport Lounge Access: Complimentary lounge access	Annual Credits Hilton Resort Credit - $200/half ($400/year) on eligible Hilton Resort purchases (room + incidentals) Flight Credit - $50/quarter ($200/year) on flight purchases via airline direct or Amex Travel CLEAR Plus Credit - Up to $209/year statement credit for CLEAR Plus membership (auto-renewal required) Hilton Annual Free Night RewardFNA - Annual Free Night Reward from Hilton Honors in the first year of Card Membership and every year upon Card renewal Hotel Status Hilton HonorsDiamond Elite Other Benefits Fine Hotels + Resorts: Elite benefits at select hotels The Hotel Collection: Extra benefits at select hotels Additional Free Night Rewards with Spend: Earn an additional Free Night Reward after spending $30,000 in purchases in a calendar year, and another after spending $60,000 in purchases in the same calendar year; terms apply	Annual Credits Dining Credit - $25/month ($300/year) at restaurants worldwide Free Night Award (Marriott 85k)FNA - Annual Free Night Award redeemable at Marriott Bonvoy properties up to 85,000-point cap (can add own points to redeem at higher categories) Hotel Status Marriott BonvoyGold Elite Lounge Access 0 Other Benefits Fine Hotels + Resorts: Access to FHR program with additional benefits The Hotel Collection: Eligible for THC benefits
Insurance	Trip Cancellation Auto Rental Collision Damage Waiver Purchase Protection Extended Warranty	Trip Delay Secondary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Secondary Purchase Protection Extended Warranty