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

Dining

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Hilton Honors Card 2.0% 5x

Groceries

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Hilton Honors Card 2.0% 5x

Gas

  1. Hilton Honors Surpass Card 2.4% 6x
  2. Hilton Honors Card 2.0% 5x

Online

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

Hotels

  1. Hilton Honors Surpass Card 4.8% 12x
  2. Hilton Honors Card 2.8% 7x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Hilton Honors Card $0 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 Surpass Card takes dining, groceries, gas and online, plus 1 more. Hilton Honors Card wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseHilton Honors Card1.2%
DiningHilton Honors Surpass Card2.4%
GroceriesHilton Honors Surpass Card2.4%
GasHilton Honors Surpass Card2.4%
OnlineHilton Honors Surpass Card1.6%
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 Card — 1.2%
  2. Hilton Honors Surpass Card — 1.2%

Dining

  1. Hilton Honors Surpass Card — 2.4%
  2. Hilton Honors Card — 2.0%

Groceries

  1. Hilton Honors Surpass Card — 2.4%
  2. Hilton Honors Card — 2.0%

Gas

  1. Hilton Honors Surpass Card — 2.4%
  2. Hilton Honors Card — 2.0%

Online

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

Hotels

  1. Hilton Honors Surpass Card — 4.8%
  2. Hilton Honors Card — 2.8%
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