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Hilton Honors Surpass vs Chase Sapphire Preferred® 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 Chase Sapphire Preferred, a travel, airline, points and restaurant card? Read our comparison chart below.

Keep in mind, the Hilton Honors Surpass has a $150 annual fee, while the Chase Sapphire Preferred has a $95 annual fee.

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Hilton Honors American Express Surpass® Card

Chase Sapphire Preferred® Card

 

Credit Card Interest Rates & Fees

Purchase APR20.49% to 29.49% Variable based on your creditworthiness and other factors21.49% to 28.49% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A21.49% to 28.49% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$150 annual fee$95 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Hotel RewardsEarn 165,000 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. Offer ends 1/8/2025. 
Introductory Bonus Offer Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Travel Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards 1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel RewardsEarn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.$50 Annual Chase Travel Hotel Credit
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.
1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
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.3X points on dining
Airline Transfer Partners Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Generous bonus points
  • Flexible travel rewards
  • Travel, purchase and security protection
  • $0 Foreign Transaction Fee
Cons:
  • $95 annual fee
  • No intro APR
Bottom LineHigh-earning rewards card for those with excellent credit... Read full review
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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 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.

Hilton Honors Surpass: Pricing information including interest rates, benefits and fees was obtained on September 19, 2024 from published websites and is believed to be accurate, but not guaranteed.


Articles on Chase Sapphire Preferred® Card

Chase Sapphire Review

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.

Chase Sapphire Preferred Approval Odds

Chase Sapphire Preferred® usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Sapphire Preferred Credit Score Needed

Chase Sapphire Preferred® usually requires great credit, which means 720 or more. However, many users can be approved with a lower score. Find out the credit requirements needed.

Chase Sapphire Preferred Rental Car Insurance

Chase Sapphire Preferred® offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Preferred Credit Limit

Many Chase Sapphire Preferred® users receive a credit limit of $5,000 - $20,000. Find out how Chase determines your credit limit and how to get an increase.

Which Do You Like and Why?





Compare Hilton Honors Surpass to:

For rates and fees of The Platinum Card® from American Express card, please click here.


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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.

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*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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