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Hilton Honors Surpass vs Blue Cash Preferred

Compare Rewards, Interest Rates, Fees, and Benefits

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

Keep in mind, the Hilton Honors Surpass has a $150 annual fee (annual fee waived for first year), while the Blue Cash Preferred has a $0 intro annual fee for the first year, then $95.

 

Hilton Honors American Express Surpass® Card

Blue Cash Preferred® Card from American Express

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR on purchases for 12 months
Introductory APR for Balance TransfersN/A0% introductory APR on balance transfers for 12 months
Purchase APR20.24% to 29.24% Variable based on your creditworthiness and other factors18.24% to 29.24% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A18.24% to 29.24% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee2.7% of each transaction after conversion to US dollars.
Annual Fee$150 annual fee, annual fee waived for first year$0 intro annual fee for the first year, then $95
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Introductory Bonus Hotel RewardsEarn 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. 
Cash Back Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Bonus Hotel RewardsEarn a Free 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 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 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.3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Grocery RewardsEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Dining RewardsEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 6% at U.S. supermarkets (up to $6k/year in purchases, then 1%)
  • 3% at U.S. gas stations
  • Bonus cash back promotional offer
Cons:
  • Annual fee
  • Not a Visa/MasterCard
Bottom LineExcellent cash back credit card for families... Read full review
 Read Blue Cash Preferred 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 Hilton Honors American Express Surpass® Card and Blue Cash Preferred® Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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.

Blue Cash Preferred: 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.


Articles on Blue Cash Preferred® Card from American Express

Blue Cash Preferred Review

If you are looking to get cashback rewards on common household categories like purchases at U.S. supermarkets and U.S. gas stations, consider the Blue Cash Preferred® Card from American Express. Amex created the Preferred card as an upgrade to the Blue Cash Everyday.

Which Do You Like and Why?





Compare Hilton Honors Surpass to:

For rates and fees of the Chase Sapphire Preferred® Card, please click here.
For rates and fees of the Chase Sapphire Reserve® card, please click here.


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