Hilton Honors Surpass vs Chase Freedom Unlimited®
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Hilton Honors Surpass is a hotel credit card. How does it compare to Chase Freedom Unlimited, a cash back card? Read our comparison chart below.
Keep in mind, the Hilton Honors Surpass has a
Hilton Honors American Express Surpass® Card | Chase Freedom Unlimited® | |
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Credit Card Interest Rates & Fees | ||
Introductory APR for Purchases | N/A | 0% introductory APR for 15 months |
Introductory APR for Balance Transfers | N/A | 0% introductory APR for 15 months |
Purchase APR | 20.99% to 29.99% Variable based on your creditworthiness and other factors | 20.49% to 29.24% Variable based on your creditworthiness and other factors |
Balance Transfers APR | N/A | 20.49% to 29.24% Variable based on your creditworthiness and other factors |
Foreign Transaction Fee | No foreign transaction fee | 3% of each transaction in U.S. dollars |
Annual Fee | ||
Credit Card Rewards & Benefits | ||
Introductory Bonus Cash Back | Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | |
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 | Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other 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. | Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services |
CreditDonkey® Credit Card Reviews | ||
Pros & Cons | Pros:
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Bottom Line | Great cash back credit card for everyday purchases... | |
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