Hilton Honors Surpass vs Chase Sapphire Preferred® Card
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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.
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Hilton Honors American Express Surpass® Card | Chase Sapphire Preferred® Card | |
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Credit Card Interest Rates & Fees | ||
| Purchase APR | 20.24% to 29.24% Variable based on your creditworthiness and other factors | 19.99% to 28.24% Variable based on your creditworthiness and other factors |
| Balance Transfers APR | N/A | 19.99% to 28.24% Variable based on your creditworthiness and other factors |
| Foreign Transaction Fee | No foreign transaction fee | $0 |
| Annual Fee | ||
| Terms Apply. | ||
Credit Card Rewards & Benefits | ||
| Introductory Bonus Hotel Rewards | Earn 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. | |
| Introductory Bonus Offer | Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. | |
| 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 | |
| Airline Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| 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. | 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 | |
| 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. | 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 & Cons | Pros:
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| Bottom Line | High-earning rewards card for those with excellent credit... | |
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