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Southwest Rapid Rewards Premier vs Hilton Honors: Which Is Better In 2025?
July 1, 2025
Editor's Picks
- Southwest Rapid Rewards® Premier Credit Card: This card is a strong choice for loyal Southwest customers, offering accelerated points on flights and bonus rewards on commuting, select bills, and dining.
- Hilton Honors American Express Card: This is an excellent no-annual-fee card for travelers who want to earn bonus points on Hilton stays and everyday purchases at U.S. restaurants, supermarkets, and gas stations.
Southwest Rapid Rewards® Premier Breakdown
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Why We Like It
This section breaks down why we like the Southwest Rapid Rewards® Premier.
- The card includes several valuable travel perks for Southwest flyers, though it does come with an annual fee.
- Cardholders can earn bonus points on all Southwest purchases and in several everyday spending categories.
- The 6,000 anniversary bonus points alone can cover more than half of the card's annual fee (publisher-formulated estimate).
Pros
- Offers valuable day-of-travel perks like priority boarding and EarlyBird Check-In to enhance your travel experience.
- Provides a boost toward earning Southwest A-List status and the highly sought-after Companion Pass.
- Cardholders receive an annual points bonus on their anniversary and discounts on flights and inflight purchases.
Cons
- Comes with an annual fee that the anniversary points bonus doesn't fully cover.
- Bonus rewards are capped in some spending categories, and several bonus categories and travel perks are being discontinued.
- It lacks premium travel benefits commonly found on other travel cards, such as airport lounge access or a travel credit.
Hilton Honors American Express Breakdown
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Why We Like It
Here’s a quick look at why the Hilton Honors American Express card stands out.
- This card is a great entry point into the Hilton Honors program because it has no annual fee (See Rates & Fees) and no foreign transaction fees.
- Cardholders can quickly accumulate points with accelerated rewards on Hilton stays, as well as at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
- With no annual fee to offset, you start getting value from your very first reward point earned. (publisher-formulated estimate)
Pros
- Cardholders receive automatic Hilton Honors Silver status, which unlocks travel perks like a fifth night free on award stays.
- The card provides access to exclusive American Express benefits, such as personalized Amex Offers and presale ticket access for select events.
- A generous Welcome Offer allows new cardmembers to earn a substantial number of points after meeting initial spending requirements.
Cons
- The card lacks premium travel perks like free night rewards or resort credits that are found on higher-tier cards.
- Hilton Honors points generally have a lower redemption value compared to points from competing hotel loyalty programs, and the program has limited transfer partners.
- It offers minimal travel protections, providing less coverage than many other travel-focused credit cards.
Hilton Honors American Express vs Southwest Rapid Rewards® Premier
Categories
Choosing between a co-branded airline card and a hotel card can be tricky. Deciding which is better, the Southwest Rapid Rewards® Premier Credit Card or the Hilton Honors American Express Card, comes down to your specific travel habits and loyalty preferences.
- Southwest Rapid Rewards® Premier Credit Card is best for semifrequent or regular Southwest Airlines flyers who want to earn points and enjoy day-of-travel benefits like priority boarding and inflight discounts.
- Hilton Honors American Express Card is ideal for occasional or loyal Hilton guests and budget-conscious travelers who want to earn hotel rewards on everyday spending.
Redemption
Southwest Rapid Rewards® Premier Credit Card: Points earned with this card are primarily redeemed for flights on Southwest Airlines. Cardholders can also use their points for other travel-related purchases like international flights, hotels, and car rentals through the airline's travel portal.
Hilton Honors American Express Card: Hilton Honors points are most valuable when redeemed for free nights at hotels and resorts within the Hilton portfolio. Points can also be used for on-property rewards, unique experiences, or transferred to airline partners.
Travel Perks
- Travel Portals: The Southwest Premier card's points are best used for Southwest flights but can also be redeemed through the airline's travel portal. The Hilton Honors Amex card's points are for Hilton stays, though cardholders also have access to the American Express travel ecosystem.
- Core Benefits: The Southwest card provides day-of-travel perks like priority boarding positions and inflight discounts. In contrast, the Hilton card offers on-property benefits through complimentary Hilton Honors elite status (Terms apply).
- International Travel: Both cards typically charge a foreign transaction fee on purchases made outside the United States.
- Lounge Access: Neither card includes complimentary airport lounge access as a standard perk.
Compare Top Rated Credit Cards with Kudos
To eliminate the guesswork, you can use a tool like Kudos to compare top-rated cards based on your own spending.
- Test drive credit cards using your real spending data to see personalized earnings projections before you apply.
- Receive a detailed analysis of your approval odds based on your credit report.
- Get a welcome offer guarantee, which ensures Kudos will match a better offer if you find one within three months.
- Earn extra rewards on top of your credit card rewards with Kudos Boost when shopping at your favorite stores.
Who Should Choose the Southwest Rapid Rewards® Premier?
The Southwest Rapid Rewards® Premier Credit Card is an ideal choice for regular Southwest Airlines flyers seeking a sweet spot between benefits and cost. With a moderate $149 annual fee, it delivers valuable travel perks like anniversary bonus points and EarlyBird Check-Ins without the premium price tag of the top-tier Priority card. According to a full card review, it's best for those who fly Southwest often enough to use the perks but don't need the highest level of benefits.
Who Should Choose the Hilton Honors American Express?
The Hilton Honors American Express Card is a great fit for budget-conscious travelers who stay at Hilton properties a few times a year and want to earn rewards without paying an annual fee. It's also ideal for everyday spenders who can maximize the 5X points on purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Additionally, it serves as a valuable tool for those looking to build their credit while accumulating travel perks, as detailed in our full card review.
Alternatives to Consider
If the Southwest Rapid Rewards Premier vs Hilton Honors comparison didn't point you toward the right card, you're in luck. We've rounded up a few other excellent travel rewards cards that might be a better match.
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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
Before You Apply
- Check your credit score: Most rewards cards require a good to excellent credit history for approval.
- Review application rules: Issuers like Chase and American Express have restrictions that could affect your eligibility for a welcome offer.
- Plan your spending: Ensure you can comfortably meet the minimum spending requirement for the welcome offer through your regular purchases.
Application Strategy
- Know the issuer's rules: Some issuers have restrictions like Chase's 5/24 rule or limits on earning a welcome offer if you've had the card before.
- Look for elevated offers: Don't settle for a standard offer if targeted promotions with higher rewards are available through different channels.
- Time your application strategically: Apply when you have a large purchase planned to help meet the spending requirement for the welcome offer.
Our Methodology
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.
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
Which card is better for frequent domestic flyers?
The Southwest Rapid Rewards Premier card is generally more advantageous for those who frequently fly domestically within the U.S., especially if they live near a Southwest hub. Hilton Honors is more geared towards hotel stays, which can be domestic or international.
Can I transfer points between Southwest Rapid Rewards and Hilton Honors?
No, you cannot directly transfer points between the Southwest Rapid Rewards and Hilton Honors loyalty programs. Each program's points must be earned and redeemed within its own ecosystem of partners.
Which card offers more valuable elite status?
The value of elite status depends entirely on your travel patterns and preferences. Hilton Honors elite status provides benefits like room upgrades and free breakfast at hotels, while Southwest's A-List status offers perks like priority boarding and bonus points on flights.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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