{"id":89474,"date":"2024-04-11T18:00:47","date_gmt":"2024-04-11T18:00:47","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/04\/11\/hilton-surpass-vs-hilton-amex-should-you-pay-150-for-more-perks-or-stick-with-no-annual-fee-the-points-guy\/"},"modified":"2024-04-11T18:00:47","modified_gmt":"2024-04-11T18:00:47","slug":"hilton-surpass-vs-hilton-amex-should-you-pay-150-for-more-perks-or-stick-with-no-annual-fee-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/04\/11\/hilton-surpass-vs-hilton-amex-should-you-pay-150-for-more-perks-or-stick-with-no-annual-fee-the-points-guy\/","title":{"rendered":"Hilton Surpass vs. Hilton Amex: Should you pay $150 for more perks or stick with no annual fee? – The Points Guy"},"content":{"rendered":"


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The Hilton Honors American Express Surpass\u00ae Card<\/a><\/span> is the mid-tier option, and the Hilton Honors American Express Card<\/a><\/span> is the entry-level option for those looking to open a personal Hilton Honors credit card.<\/p>\n

For those trying to decide between these two excellent card options, here are the major points of difference and factors to remember as you decide which is best for your wallet.<\/p>\n

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Hilton Surpass vs. Hilton Amex comparison<\/h2>\n
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\n\n\n\n\n\n\n\n\n\n\n
Card<\/strong><\/th>\nHilton Surpass<\/strong><\/th>\nHilton Amex<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Annual fee<\/strong><\/td>\n\u00a0$150 (see rates and fees<\/a>)<\/td>\n$0 (see rates and fees<\/a>)<\/td>\n<\/tr>\n
Welcome offer\u00a0<\/strong><\/td>\nEarn 155,000 Hilton Honors points after you spend $3,000 in purchases on the card within the first six months of card membership. Offer ends April 17.<\/td>\nEarn 100,000 Hilton Honors points after you spend $2,000 in purchases on the new card within your first six months of card membership. Offer ends April 17.<\/td>\n<\/tr>\n
Earning rates\u00a0<\/strong><\/td>\n12 points per dollar on eligible Hilton purchases<\/p>\n

6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations<\/p>\n

4 points per dollar on U.S. online retail purchases<\/p>\n

3 points per dollar on all other eligible purchases<\/p>\n<\/td>\n

7 points per dollar on eligible Hilton purchases<\/p>\n

5 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations<\/p>\n

3 points per dollar on all other eligible purchases<\/p>\n<\/td>\n<\/tr>\n

Elite status\u00a0<\/strong><\/td>\nHilton Honors Gold; upgrade to Diamond by spending $40,000 in a calendar year<\/td>\nHilton Honors Silver<\/td>\n<\/tr>\n
Free nights<\/strong><\/td>\nFree night reward after you spend $15,000 on eligible purchases in a calendar year<\/td>\nNone<\/td>\n<\/tr>\n
Other benefits<\/strong><\/td>\nUp to $200 in annual credits for eligible Hilton purchases (up to $50 each quarter)<\/p>\n

National Car Rental Emerald Club Executive status<\/p>\n

No foreign transaction fees (see rates and fees<\/a>)<\/p>\n

Car rental insurance*<\/p>\n

Extended warranty protection**<\/p>\n

Purchase protection**<\/p>\n

Baggage insurance**<\/p>\n

Complimentary ShopRunner membership<\/p>\n

Enrollment is required for select benefits<\/p>\n<\/td>\n

No foreign transaction fees (see rates and fees<\/a>)<\/p>\n

Car rental insurance*<\/p>\n

Purchase protection**<\/p>\n

Complimentary ShopRunner membership<\/p>\n

Enrollment is required for select benefits<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.<\/em><\/p>\n

**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com\/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.<\/em><\/p>\n

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Hilton Surpass vs. Hilton Amex welcome offer<\/h2>\n

The Hilton Surpass<\/a><\/span> is currently offering 155,000 Hilton Honors points after you spend $3,000 in purchases on the card within the first six months of card membership. TPG values<\/a> Hilton points at 0.6 cents each, so the welcome offer is worth $930 toward travel.<\/p>\n

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