Hilton Honors vs Hilton Honors Surpass

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Hilton Honors

American Express

Hilton Honors Surpass

American Express

Economics

Annual fee

$150/yr less

$150

Ongoing annual value

$138

$349

$211/yr more

Net value (value − fee)

$138

$199

$61/yr more

First-year value estimate

$239

$394

$155/yr more

Authorized user fee

—

Sign-up Bonus

Current offer

80K bonus points after you spend $2K in purchases on the card in the first 6 months of card Membership. Terms apply. Rates & Fees

130K bonus points after you spend $3K in purchases on the card in the first 6 months of card membership. Terms apply. Rates & Fees

Earning

Hilton purchases

7X2.4%

12X4.2%

US online retail purchases

—

4X1.4%

US Dining

5X1.8%

6X2.1%

US Gas Stations

5X1.8%

6X2.1%

US Grocery Stores

5X1.8%

6X2.1%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

—

Hilton: $50 (Quarterly Calendar Year)

Lounge access

—

Elite status

Hilton Honors Silver
Hilton Honors Gold

Hilton Honors Gold
Hilton Honors Diamond

Protections

The same on both cards (6)

Foreign transaction fee

None

Issuer

American Express

Rewards currency

Hilton Honors

Card type

Personal

Network

American Express

All other purchases

3X1%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

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