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Chase Sapphire Preferred® Card vs Hilton Honors American Express Surpass® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Hilton Honors Surpass from American Express, a hotel credit card? Read our comparison chart below.

 Chase Sapphire Preferred CardHilton Honors American Express Surpass Card
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Chase Sapphire Preferred® Card

Hilton Honors American Express Surpass® Card

 

Credit Card Summary

 
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Earn 130,000 Hilton Honors Bonus Points and a free weekend night reward after you spend $4,000 in purchases on the Card within your first 4 months of Card membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • 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 3X Hilton Honors Bonus Points for all other eligible purchases on your 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.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Purchase APR18.24% to 25.24% Variable based on your creditworthiness and other factors17.99% to 26.99% Variable based on your creditworthiness and other factors
Balance Transfers APR18.24% to 25.24% Variable based on your creditworthiness and other factors17.99% to 26.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Hotel Rewards Earn 130,000 Hilton Honors Bonus Points and a free weekend night reward after you spend $4,000 in purchases on the Card within your first 4 months of Card membership.
Introductory Bonus Reward PointsEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 
Travel Rewards2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Bonus Hotel Rewards Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programsEarn 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 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Point Rewards2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide 
Airline Status Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select. 10 complimentary lounge visits every year once enrolled. Subsequent visits are subject to a fee of $27 per person per visit.
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 Rewards2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwideEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus. 
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Chase Sapphire Preferred CardHilton Honors American Express Surpass Card
Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • No intro APR
Bottom LineHigh-earning rewards card for those with excellent credit... Read full review
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See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

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: 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 any card issuer.


Articles on Chase Sapphire Preferred® Card


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Compare Chase Sapphire Preferred to:

Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.99% - 25.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
19.24% - 26.24% Variable
Annual Fee
$450
American Express Gold

American Express® Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGrocery Rewards
Annual Fee
$250

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.