Hilton Honors Surpass vs Chase Sapphire Reserve®

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 Reserve, 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 Reserve has a $550 annual fee.

	Hilton Honors American Express Surpass® Card	Chase Sapphire Reserve®

	Credit Card Interest Rates & Fees
Purchase APR	20.24% to 29.24% Variable based on your creditworthiness and other factors	21.99% to 28.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	21.99% to 28.99% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	$0
Annual Fee	$150 annual fee	$550 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		Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs
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.
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		Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Airline Status		$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select
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 at restaurants
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: Bonus points Annual travel credit Elite travel benefits Cons: $550 annual fee No introductory annual fee No intro APR
Bottom Line		Ultra premium credit card for luxury travelers... Read full review

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