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Hilton Honors American Express Surpass® Card vs Chase Freedom Unlimited

Compare Rewards, Interest Rates, Fees, and Benefits

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Hilton Honors Surpass is a hotel credit card. How does it compare to Chase Freedom Unlimited, a cash back credit card? Read our comparison chart below.

 Apply NowRead Chase Freedom Unlimited Review
 

Hilton Honors American Express Surpass® Card

Chase Freedom Unlimited®

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Purchase APR15.74% to 24.74% Variable based on your creditworthiness and other factors14.99% to 23.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A14.99% to 23.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual Fee$95 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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. 
Cash Back Rewards Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
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.
 
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. 
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. 
Dining RewardsEarn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • $200 Cash Back
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom LineGreat cash back credit card for everyday purchases... Read full review
 Apply NowRead Chase Freedom Unlimited Review

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.

Disclaimer: The information for the Chase Freedom Unlimited® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Chase Freedom Unlimited: Pricing information including interest rates, benefits and fees was obtained on June 3, 2020 from published websites and is believed to be accurate, but not guaranteed.


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Compare Hilton Honors Surpass to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.99% - 22.99% Variable
Annual Fee
$95
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
16.99% - 23.99% Variable
Annual Fee
$550
American Express Platinum

The Platinum Card® from American Express

Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$550

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Compare Chase Freedom Unlimited to:

Capital One Quicksilver

Capital One® Quicksilver® Cash Rewards Credit Card

Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
N/A
15.49% - 25.49% (Variable)
Annual Fee
$0
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
N/A
13.99% - 23.99% Variable
Annual Fee
$0
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
17.24% - 24.49% (Variable)
Annual Fee
$95

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and 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 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.

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