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Capital One Platinum vs Hilton Honors Amex

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Hilton Honors Amex leads by 19.4 pts. Scores: Capital One Platinum 47.7%, Hilton Honors Amex 67.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Platinum nets $0/yr, Hilton Honors Amex nets $460/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePlatinum: 10.0 · Amex: 10.0
• Rewards ratePlatinum: 0.0 · Amex: 10
• Sign-up bonusPlatinum: 0.0 · Amex: n/a
• Intro 0% APRPlatinum: 0.0 · Amex: 0.0
• Regular APRPlatinum: 3.4 · Amex: 7.0
• Foreign transaction feePlatinum: 10.0 · Amex: 10.0
• Regulatory record (CFPB)Platinum: 10.0 · Amex: 10.0

Downsides

• Capital One Platinum47.7%
  Capital One · no annual fee
  Annual fee $0APR 29.24% variableRewards 0% baseCredit no credit score, ≤619 (CFPB TCCP targeted tiers)

  ⚠ APR up to 29.24% if you carry a balance · Late fee up to $40

• Hilton Honors Amex67.1%
  American Express · no annual fee
  Annual fee $0APR 19.74%–28.74% variableRewards 3% base; 5% dining; 5% gas; 5% groceriesCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable) · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Platinum or Hilton Honors Amex?

On VaultRubric's rubric: Hilton Honors Amex scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.