Hilton Honors Surpass vs Chase Sapphire Preferred® Card

Compare Rewards, Interest Rates, Fees, and Benefits

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Hilton Honors Surpass is a hotel credit card. How does it compare to Chase Sapphire Preferred, a travel, airline, points and restaurant card? Read our comparison chart below.

Keep in mind, the Hilton Honors Surpass has a $150 annual fee, while the Chase Sapphire Preferred has a $95 annual fee.

	Hilton Honors American Express Surpass® Card	Chase Sapphire Preferred® Card

	Credit Card Interest Rates & Fees
Purchase APR	20.24% to 29.24% Variable based on your creditworthiness and other factors	20.99% to 27.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	20.99% to 27.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	$0
Annual Fee	$150 annual fee	$95 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Hotel Rewards	Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership. Offer ends 1/8/2025.
Introductory Bonus Offer		Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Rewards		Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards		1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards	Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.	$50 Annual Chase Travel Hotel Credit
Hotel Rewards	Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.	1:1 point transfer to leading airline and hotel loyalty programs
Point Rewards		Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Hotel Status	Enjoy complimentary Gold status with your Hilton Honors Surpass Card. Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond status through the end of the next calendar year.
Gas Rewards	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations.
Grocery Rewards	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.
Dining Rewards	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.	3X points on dining
Airline Transfer Partners		Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	CreditDonkey® Credit Card Reviews
Pros & Cons		Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR
Bottom Line		High-earning rewards card for those with excellent credit... Read full review

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