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

Compare Rewards, Interest Rates, Fees, and Benefits

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Hilton Honors Surpass is a hotel credit card. How does it compare to American Express Gold, a points credit card? Read our comparison chart below.

 Hilton Honors American Express Surpass CardAmerican Express Gold Card
 Apply NowApply Now
 

Hilton Honors American Express Surpass® Card

American Express® Gold Card

 

Credit Card Summary

 
Introductory Bonus Hotel RewardsBonus Hotel RewardsHotel RewardsGas RewardsGrocery Rewards
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
 
  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on 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
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
 

Credit Card Interest Rates & Fees

Purchase APR17.24% to 26.24% Variable based on your creditworthiness and other factorsSee Rates & Fees
Balance Transfers APR17.24% to 26.24% Variable based on your creditworthiness and other factorsSee Rates & Fees
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$95 annual fee$250 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Hotel RewardsEarn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass® Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership. 
Introductory Bonus Offer Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
Airline Rewards 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Bonus Hotel RewardsEarn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year. 
Hotel RewardsEarn 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 Rewards Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Airline StatusComplimentary 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.$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
Hotel StatusEnjoy 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 RewardsEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations. 
Grocery RewardsEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
Dining RewardsEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.4X Membership Rewards® points when you dine at restaurants worldwide.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Airline Transfer Partners Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Credit Card Reviews

 Hilton Honors American Express Surpass CardAmerican Express Gold Card
Pros & ConsPros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineGood rewards card for cardholders who fly frequently or eat out... Read full review
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What Others View

    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: 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.


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