Delta SkyMiles Gold vs Hilton Honors Surpass

Compare Rewards, Interest Rates, Fees, and Benefits

Delta SkyMiles Gold is a good airline credit card for someone who travels heavily with Delta airlines. How does it compare to Hilton Honors Surpass from American Express, a hotel card? Read our comparison chart below.

	Delta SkyMiles® Gold American Express Card	Hilton Honors American Express Surpass® Card
	Credit Card Interest Rates & Fees
Purchase APR	19.99% to 28.99% Variable based on your creditworthiness and other factors	20.24% to 29.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$0 introductory annual fee for the first year, then $150	$150 annual fee, annual fee waived for first year
	Credit Card Rewards & Benefits
Introductory Bonus Airline Rewards	Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Introductory Bonus Hotel Rewards		Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer Ends 4/29/2025.
Airline Rewards	Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S. Earn 1X Miles on all other eligible purchases.
Bonus Airline Rewards	$200 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.
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.
Airline Status	Enjoy your first checked bag free on Delta flights. Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
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.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Bonus Delta miles offer One free checked bag on Delta flights Zone 5 Priority boarding Cons: $150 annual fee ($0 introductory annual fee for the first year)
Bottom Line	Good airline credit card for someone who travels heavily with Delta airlines... Read full review
	Read Delta SkyMiles Gold Review
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 Delta SkyMiles® Gold American Express 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. Delta SkyMiles Gold: Pricing information including interest rates, benefits and fees was obtained on December 19, 2024 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 June 14, 2025 from published websites and is believed to be accurate, but not guaranteed.

Articles on Delta SkyMiles® Gold American Express Card

Delta SkyMiles Card Review

There are many credit cards that earn Delta miles to choose from, so how do you decide if the Delta SkyMiles® Gold American Express Card is right for you? Read this review before you apply.