Compare it to the Chase Sapphire Preferred® Card
If you don’t want to be tied to one hotel loyalty program, want more flexibility in earning and redeeming miles and get more value for the points you redeem for travel, including hotels, consider the Chase Sapphire Preferred® Card as an alternative to the Hilton Honors American Express Surpass® Card. It also has a $95 annual fee.
The Chase Sapphire Preferred® Card comes with the following welcome bonus: Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®. Earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
The Hilton Honors American Express Surpass® Card offers better points per dollar spent in the top spending categories, but the Chase Sapphire Preferred® Card gives you 25% more value for the points you earn when you redeem them for travel at Chase Ultimate Rewards. And you can transfer your Chase points 1:1 to 11 airline and three hotel loyalty programs via Chase Ultimate Rewards®, a much better value than the Hilton Honors American Express Surpass® Card’s transfer program.
The Chase Sapphire Preferred® Card also comes with much better travel and purchase perks than the Hilton Honors American Express Surpass® Card, including trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, travel and emergency assistance, auto rental collision damage waiver, purchase and return protection and extended warranty; it doesn’t, however, come with access to an airport premium lounge like the Hilton Honors American Express Surpass® Card.