pointslip milestomorrow.com

American Express Delta SkyMiles Gold Card vs Hilton Honors Surpass Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Hilton Honors Surpass Card 1.2% 3x base rate
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Dining

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Delta SkyMiles Gold Card 2.4% 2x

Groceries

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Delta SkyMiles Gold Card 2.4% 2x

Gas

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Online

  1. Hilton Honors Surpass Card 1.6% 4x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

Flights

  1. Delta SkyMiles Gold Card 2.4% 2x
  2. Hilton Honors Surpass Card 1.2% 3x base rate

Hotels

  1. Hilton Honors Surpass Card 4.8% 12x
  2. Delta SkyMiles Gold Card 1.2% 1x base rate

What the numbers are doing

Delta SkyMiles Gold Card tops flights at 2.4% only because this table values its points at 1.2 cents each. Value them at one cent and Hilton Honors Surpass Card wins that category instead.

Where they differ: Hilton Honors Surpass Card takes gas, online and hotels; Delta SkyMiles Gold Card takes flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseHilton Honors Surpass Card1.2%
DiningHilton Honors Surpass Card2.4%
GroceriesHilton Honors Surpass Card2.4%
GasHilton Honors Surpass Card2.4%
OnlineHilton Honors Surpass Card1.6%
FlightsDelta SkyMiles Gold Card2.4%
HotelsHilton Honors Surpass Card4.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Hilton Honors Surpass Card — 1.2%
  2. Delta SkyMiles Gold Card — 1.2%

Dining

  1. Hilton Honors Surpass Card — 2.4%
  2. Delta SkyMiles Gold Card — 2.4%

Groceries

  1. Hilton Honors Surpass Card — 2.4%
  2. Delta SkyMiles Gold Card — 2.4%

Gas

  1. Hilton Honors Surpass Card — 2.4%
  2. Delta SkyMiles Gold Card — 1.2%

Online

  1. Hilton Honors Surpass Card — 1.6%
  2. Delta SkyMiles Gold Card — 1.2%

Flights

  1. Delta SkyMiles Gold Card — 2.4%
  2. Hilton Honors Surpass Card — 1.2%

Hotels

  1. Hilton Honors Surpass Card — 4.8%
  2. Delta SkyMiles Gold Card — 1.2%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.