Hilton Honors American Express Aspire Card vs Capital One Venture X Rewards: Which Earns More?
The verdict
On typical spending the Hilton Honors American Express Aspire Card nets $520 a year after fees, $339 more than the Capital One Venture X Rewards at $181. That flips at about $750/month of spending, where the Capital One Venture X Rewards takes the lead.
Who earns more, by the numbers
| Spending level | Hilton Honors American Express Aspire Card | Capital One Venture X Rewards | Winner |
|---|---|---|---|
| Light spender ($1,200/mo) | −$17/yr | −$107/yr | Hilton Honors American Express Aspire Card |
| Typical spender ($2,400/mo) | $520/yr | $181/yr | Hilton Honors American Express Aspire Card |
| Heavy spender ($4,500/mo) | $1,459/yr | $685/yr | Hilton Honors American Express Aspire Card |
Net of annual fees, typical category mix at baseline point values. The winner flips at about $750/month of spending.
Hilton Honors American Express Aspire Card
American Express
2.3/5
Annual Fee:$550
APR:22.49%-30.49% variable
Welcome Bonus: 175,000 Hilton Honors bonus points after $6,000 in purchases in 3 months
Rewards: 14X Hilton, 7X restaurants/flights/car rental, 3X everything else
EARNS MORE ON TYPICAL SPEND
Capital One Venture X Rewards
Capital One
2.8/5
Annual Fee:$395
APR:19.49%-28.49% variable
Welcome Bonus: 75,000 bonus miles after spending $4,000 in the first 3 months
Rewards: 10X miles on hotels and rental cars via Capital One Travel, 5X miles on flights via Capital One Travel, 2X miles on everything else
The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.
FAQ
Which is better, the Hilton Honors American Express Aspire Card or the Capital One Venture X Rewards?▼
On typical spending the Hilton Honors American Express Aspire Card nets $520 a year after fees, $339 more than the Capital One Venture X Rewards at $181. That flips at about $750/month of spending, where the Capital One Venture X Rewards takes the lead.
What is the annual fee difference between the Hilton Honors American Express Aspire Card and the Capital One Venture X Rewards?▼
The Capital One Venture X Rewards charges $395, versus $550 for the Hilton Honors American Express Aspire Card — a $155 difference every year.
Which has the better welcome bonus?▼
The Hilton Honors American Express Aspire Card, at 175,000 points (~$1,750) as of 2026-07-29. Bonuses change often — each card's page carries the date we last recorded it.