Cash Magnet vs Hilton Honors Surpass

Compare Rewards, Interest Rates, Fees, and Benefits

Cash Magnet is a cash back credit card. How does it compare to Hilton Honors Surpass from American Express, a hotel card? Read our comparison chart below.

Keep in mind, the Cash Magnet has a $0 annual fee, while the Hilton Honors Surpass has a $150 annual fee.

	American Express Cash Magnet® Card	Hilton Honors American Express Surpass® Card
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR on purchases for 15 months	N/A
Purchase APR	19.24% to 29.99% Variable based on your creditworthiness and other factors	20.99% to 29.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	N/A
Foreign Transaction Fee	2.7% of each transaction after conversion to US dollars.	No foreign transaction fee
Annual Fee	$0 annual fee	$150 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back	Earn a $200 statement credit after you spend $2,000 or more in purchases with your new Card within the first 6 months of Card Membership.
Introductory Bonus Hotel Rewards		Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Cash Back Rewards	Unlimited 1.5% Cash Back on your purchases.
Bonus Hotel Rewards		Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Hotel Rewards		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 U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Hotel Status		Enjoy complimentary Gold status with your Hilton Honors Surpass Card. Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond status through the end of the next calendar year.
Gas Rewards		Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations.
Grocery Rewards		Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.
Dining Rewards		Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Disclaimer: The information for the American Express Cash Magnet® Card and Hilton Honors American Express Surpass® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Cash Magnet: Pricing information including interest rates, benefits and fees was obtained on July 27, 2023 from published websites and is believed to be accurate, but not guaranteed. Hilton Honors Surpass: Pricing information including interest rates, benefits and fees was obtained on April 18, 2024 from published websites and is believed to be accurate, but not guaranteed.