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American Express Hilton Honors Aspire 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 Aspire Card 1.2% 3x base rate
  2. Hilton Honors Surpass Card 1.2% 3x base rate

Dining

  1. Hilton Honors Aspire Card 2.8% 7x
  2. Hilton Honors Surpass Card 2.4% 6x

Groceries

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Hilton Honors Aspire Card 1.2% 3x base rate

Gas

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Hilton Honors Aspire Card 1.2% 3x base rate

Online

  1. Hilton Honors Surpass Card 1.6% 4x
  2. Hilton Honors Aspire Card 1.2% 3x base rate

Flights

  1. Hilton Honors Aspire Card 2.8% 7x
  2. Hilton Honors Surpass Card 1.2% 3x base rate

Hotels

  1. Hilton Honors Aspire Card 5.6% 14x
  2. Hilton Honors Surpass Card 4.8% 12x

Car rental

  1. Hilton Honors Aspire Card 2.8% 7x
  2. Hilton Honors Surpass Card 1.2% 3x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Hilton Honors Aspire Card $550 and Hilton Honors Surpass Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Hilton Honors Aspire Card takes dining, flights, hotels and car rental; Hilton Honors Surpass Card takes groceries, gas and online.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseHilton Honors Aspire Card1.2%
DiningHilton Honors Aspire Card2.8%
GroceriesHilton Honors Surpass Card2.4%
GasHilton Honors Surpass Card2.4%
OnlineHilton Honors Surpass Card1.6%
FlightsHilton Honors Aspire Card2.8%
HotelsHilton Honors Aspire Card5.6%
Car rentalHilton Honors Aspire Card2.8%

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 Aspire Card — 1.2%
  2. Hilton Honors Surpass Card — 1.2%

Dining

  1. Hilton Honors Aspire Card — 2.8%
  2. Hilton Honors Surpass Card — 2.4%

Groceries

  1. Hilton Honors Surpass Card — 2.4%
  2. Hilton Honors Aspire Card — 1.2%

Gas

  1. Hilton Honors Surpass Card — 2.4%
  2. Hilton Honors Aspire Card — 1.2%

Online

  1. Hilton Honors Surpass Card — 1.6%
  2. Hilton Honors Aspire Card — 1.2%

Flights

  1. Hilton Honors Aspire Card — 2.8%
  2. Hilton Honors Surpass Card — 1.2%

Hotels

  1. Hilton Honors Aspire Card — 5.6%
  2. Hilton Honors Surpass Card — 4.8%

Car rental

  1. Hilton Honors Aspire Card — 2.8%
  2. Hilton Honors Surpass Card — 1.2%
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