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Hilton Honors American Express Card vs Hilton Honors American Express Surpass® Card

Choose between the entry-level and mid-tier Hilton cards.

Updated

Fact checked
The Hilton Honors American Express Surpass® Card has a $95 annual fee. However, it offers 12x points on stays in the Hilton portfolio, as well as 6x points at US supermarkets, US restaurants and US gas stations. The $0-annual-fee Hilton Honors American Express Card offers 7x and 5x points in those categories, respectively.

For the extra cost, the Hilton Honors American Express Surpass® Card brings complimentary Hilton Honors Gold status and 10 free visits to Priority Pass Select lounges. Its counterpart offers Silver status.

Hilton Honors American Express Card

Hilton Honors American Express Card

Rates & Fees

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

Rates & Fees

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★★★★★

4.4 / 5.0

★★★★★

4.5 / 5.0
Best for
Best for
  • No annual fee plus rewards for Hilton properties and everyday purchases
  • Strong rewards on Hilton properties and everyday purchases
Welcome offer
Welcome offer

80,000 points after spending $1,000 in the first 3 months

130,000 points after spending $2,000 in the first 3 months

Rewards
Rewards

7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases

Purchase APR
Purchase APR

15.74% to 24.74% variable

15.74% to 24.74% variable

Annual fee
Annual fee $0 $95
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Hilton Honors American Express Card

Hilton Honors American Express Card

  • Get a sizable 80,000-point welcome offer after you spend $1,000 in eligible purchases during your first 3 months of account opening.
  • Earn 7x points at eligible Hilton hotels and resorts. Earn 5x points at US restaurants, US supermarkets and US gas stations, and 3x points on everything else.
  • Get a complimentary upgrade to Hilton Honors Silver.

Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

  • Earn 12x Hilton Honors Bonus Points for each dollar of eligible purchases charged on your card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6x Hilton Honors Bonus Points for each dollar of eligible purchases on your card at US restaurants, US supermarkets and US gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.

Compare credit cards

Name Product Foreign transaction fee Welcome offer Rewards Filter values
Chase Sapphire Preferred® Card
None
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Sapphire Reserve®
None
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
None
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Bank of America® Travel Rewards credit card
None
25,000 points after spending $1,000 in the first 90 days
1.5x points on all purchases
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

Compare American Express credit cards

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