Southwest Rapid Rewards Plus vs Hilton Honors: Which Is Better In 2025?

Hilton Honors American Express Aspire Breakdown

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Why We Like It

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Here’s a breakdown of why we’re fans of the Hilton Honors American Express Aspire Card.

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• The card automatically grants top-tier Hilton Honors Diamond Elite Status, though it does come with an annual fee (See Rates & Fees).
• Cardholders receive multiple statement credits, including up to $400 annually for stays at participating Hilton resorts and up to $200 for flights, which help offset the card's cost.
• The annual free night award can easily justify the annual fee when redeemed at a high-end property, and that's before factoring in the value of the various travel credits (publisher-formulated estimate).

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Automatic top-tier Hilton Honors Diamond status, which provides valuable perks like room upgrades, executive lounge access, and daily food and beverage credits.
• An annual Free Night Award redeemable at most Hilton properties worldwide, plus multiple annual statement credits for travel purchases like flights and resort stays.

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Cons

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• A high annual fee may be difficult to justify for travelers who do not stay at Hilton properties frequently enough to maximize the card’s benefits.
• Hilton Honors points offer less flexibility than transferable rewards currencies, as they can generally only be used within the Hilton ecosystem.
• The card’s statement credits come with restrictions, such as being limited to specific resort properties or requiring use within quarterly or semi-annual periods, which can make them difficult to fully utilize.

Hilton Honors American Express Aspire vs Southwest Rapid Rewards® Plus

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Categories

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When considering which is better, the Southwest Rapid Rewards® Plus Credit Card or the Hilton Honors American Express Aspire Card, the choice ultimately depends on whether your travel loyalty lies with a specific airline or a hotel chain.

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• Southwest Rapid Rewards® Plus Credit Card is ideal for budget-conscious travelers and occasional Southwest flyers who want to earn points toward the coveted Companion Pass without a high annual fee.
• Hilton Honors American Express Aspire Card is tailored for frequent travelers loyal to the Hilton portfolio who seek to elevate their stays with premium hotel benefits and top-tier elite status.

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Redemption

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Southwest Rapid Rewards® Plus Credit Card: Points earned with this card are redeemed primarily for flights on Southwest Airlines, making it a straightforward way to book award travel within the airline's network.

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Hilton Honors American Express Aspire Card: Cardholders redeem points for free nights and room upgrades across Hilton's portfolio of hotels and resorts, as well as for exclusive experiences through the Hilton Honors program.

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Travel Perks

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• Southwest Rapid Rewards® Plus Credit Card: This card’s travel ecosystem is built around the Southwest Airlines network. It includes a foreign transaction fee and does not offer airport lounge access. Perks include two EarlyBird Check-In® services annually and a percentage back on in-flight purchases.
• Hilton Honors American Express Aspire Card: This card’s ecosystem is centered on the global Hilton portfolio of hotels and resorts. It has no foreign transaction fees and provides complimentary Priority Pass Select membership for airport lounge access. Additional benefits include an annual airline fee credit and statement credits for purchases at participating Hilton Resorts. Terms Apply.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial companion that helps you compare nearly 3,000 credit cards and maximize your rewards.

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• Test drive credit cards using your real spending data to see potential earnings before you apply, without impacting your credit score.
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Who Should Choose the Southwest Rapid Rewards® Plus?

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The Southwest Rapid Rewards® Plus Credit Card is an excellent choice for budget-conscious travelers and credit card beginners looking for an accessible entry point into the Southwest ecosystem. It's particularly valuable for those aiming to earn the coveted Southwest Companion Pass, as all points earned with the card count toward the qualification requirement. As detailed in this complete 2025 guide, occasional Southwest flyers can also benefit from perks like EarlyBird Check-In® credits without committing to a high annual fee.

Who Should Choose the Hilton Honors American Express Aspire?

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The Hilton Honors American Express® Aspire Card is tailored for frequent travelers who are loyal to the Hilton brand and can take full advantage of its premium benefits. This cardholder typically stays at Hilton properties several times a year, particularly at high-end resorts where they can maximize perks like the up to $400 annual Hilton resort credit. (Terms Apply). Ultimately, it's for someone who values automatic top-tier Diamond elite status and can leverage the card's benefits to easily offset the annual fee, as detailed in our Hilton Aspire Card review.

Alternatives to Consider

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If this Southwest Rapid Rewards Plus vs Hilton Honors comparison leaves you undecided, don't fret. There are several other excellent travel rewards cards that might be a better fit for your wallet and travel style.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

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Before You Apply

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• Check your credit score: Most premium cards require a good to excellent credit history for approval.
• Review application rules: Be aware of issuer-specific policies, like Amex's once-per-lifetime rule, that can affect welcome offer eligibility.
• Have a spending plan: Ensure you can comfortably meet the minimum spending requirement through your regular purchases.

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Application Strategy

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• Know the rules: Be mindful of issuer policies, such as Chase's 5/24 rule or Amex's once-per-lifetime welcome offer restrictions.
• Time your application: Plan to apply when you can naturally meet the spending requirement for the welcome offer with planned purchases.
• Call for reconsideration: If you aren't approved instantly, calling the issuer's reconsideration line may help get your application approved.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I transfer points between Southwest Rapid Rewards and Hilton Honors?

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Direct transfers between Southwest and Hilton aren't possible since they are separate loyalty programs. You'll need to earn and redeem points within each ecosystem.

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Which program is better for family travel?

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Southwest often gets the nod for family travel thanks to its highly coveted Companion Pass, which lets a friend or family member fly with you for nearly free. However, Hilton Honors holds its own with family-friendly perks like potential room upgrades and complimentary breakfast for elite members.

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Do Southwest points or Hilton points expire?

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You're in luck with Southwest, as their Rapid Rewards points never expire. Hilton Honors points do expire after 24 months of account inactivity, but a single qualifying activity—like earning or spending points—resets the clock.

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