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American Express Delta SkyMiles Gold Card vs Hilton Honors Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Hilton Honors Card 1.2% 3x base rate
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Dining

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Hilton Honors Card 2.0% 5x

Groceries

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Hilton Honors Card 2.0% 5x

Gas

  1. Hilton Honors Card 2.0% 5x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Flights

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Hilton Honors Card 1.2% 3x base rate

Hotels

  1. Hilton Honors Card 2.8% 7x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

What the numbers are doing

Delta SkyMiles Gold Card tops dining at 2.4% only because this table values its points at 1.2 cents each. Value them at one cent and Hilton Honors Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Delta SkyMiles Gold Card $150 and Hilton Honors Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Delta SkyMiles Gold Card takes dining, groceries and flights; Hilton Honors Card takes gas and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseHilton Honors Card1.2%
DiningDelta SkyMiles Gold Card2.4%
GroceriesDelta SkyMiles Gold Card2.4%
GasHilton Honors Card2.0%
FlightsDelta SkyMiles Gold Card2.4%
HotelsHilton Honors Card2.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Hilton Honors Card — 1.2%
  2. Delta SkyMiles Gold Card — 1.2%

Dining

  1. Delta SkyMiles Gold Card — 2.4%
  2. Hilton Honors Card — 2.0%

Groceries

  1. Delta SkyMiles Gold Card — 2.4%
  2. Hilton Honors Card — 2.0%

Gas

  1. Hilton Honors Card — 2.0%
  2. Delta SkyMiles Gold Card — 1.2%

Flights

  1. Delta SkyMiles Gold Card — 2.4%
  2. Hilton Honors Card — 1.2%

Hotels

  1. Hilton Honors Card — 2.8%
  2. Delta SkyMiles Gold Card — 1.2%
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