Hilton Honors American Express Surpass® Card vs. Hilton Honors American Express Card
The Hilton Honors American Express Card offers Hilton loyalists a card that earns Hilton Honors points but with a $0 annual fee. It’s a good card if you don’t travel much but enjoy Hilton properties or if you want to try out a Hilton credit card without committing to an annual fee.
It includes a lower, but still valuable, welcome offer: Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. This may get you a stay of at least a couple of nights if you choose a property with low point redemption options.
The card isn’t as rewarding as the higher-tier Hilton cards, but you still earn a fair number of points on everyday purchases. You’ll earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5X Hilton Honors Bonus Points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations AND 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
It even gives you automatic Silver status (enrollment required) which gets you a 20% tier bonus points per hotel stay, no resort fees on reward stays, late checkout, a member discount, free breakfast and fifth standard reward night free.
To see rates & fees for Hilton Honors American Express Card please click here.
Hilton Honors American Express Surpass® Card vs. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a more flexible travel card that doesn’t tie you to one hotel loyalty program. It has a generous welcome bonus that lets you Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
At face value, it may seem less rewarding than the Hilton Honors American Express Surpass® Card. The Chase Sapphire Preferred® Card lets you enjoy beneﬁts such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.. However, the points that you earn are much more valuable. You get a 25% bonus on Chase Ultimate Rewards travel redemption, for a value of 1.25 cents per point. You can also transfer points at a 1:1 ratio to more than 10 airline and hotel loyalty programs. And, since you can redeem points for travel with any hotel brand, you aren’t limited to staying with Hilton.
The Chase Sapphire Preferred® Card also offers better travel and purchase protections, including trip cancellation and interruption insurance, baggage delay insurance, trip delay reimbursement, auto rental collision damage waiver, extended warranty and purchase and return protection. On the downside, it doesn’t offer any hotel perks or airport lounge access.