Costco Anywhere Visa Business Credit Card by Citi vs Hilton Honors Surpass® Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Secondary Car Rental CDW Waiver

No Foreign Transaction Fees

Grants Hotel Status

Annual Statement Credits

Grants Car Rental Status

Trip Protections

Extended Warranty

Purchase Protection

No Fees for Authorized Users

Amex Offers

Costco Anywhere Visa Business Credit Card by Citi

Annual Fee

Avg. Min. Credit Score

Ongoing APR

Balance transfers fees

Best Multiplier

4x Gas Stations

3x Airfare

3x Transit

3x Car Rentals

3x Costco

3x Dining Out / Food Delivery

3x Hotels

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

This card does not have a bonus offer at this time.

Rating

(3) Our Review

Review

The cashback will be awarded as an annual credit card reward certificate, redeemable for cash or merchandise at U.S. Costco warehouses, (including Puerto Rico). The certificate will be included in your February billing statement and expires on December 31^st of the year issued.

** Requires a Costco membership **”

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Unique Card Benefits

yes

Secondary Car Rental CDW Waiver

yes

No Foreign Transaction Fees

yes

Grants Hotel Status

Annual Statement Credits

Grants Car Rental Status

Trip Protections

Extended Warranty

Purchase Protection

No Fees for Authorized Users

Amex Offers

Hilton Honors Surpass® Credit Card

Annual Fee

$150 (Rates and fees)

Avg. Min. Credit Score

Good-Excellent

Ongoing APR

20.49%-29.49% (Variable)

Balance transfers fees

Best Multiplier

12x Hotels

6x Gas Stations

6x Dining Out / Food Delivery

6x Groceries

4x Online Retail Shopping

3x All Other Eligible Purchases

Avg. Point Value
(Learn More)

$0.005

Bonus Offer

Earn 165,000 Bonus Points after spending $3,000 on eligible purchases within the first six months of Card Membership (Terms apply).

Rating

(4.08) Our Review

Review

With a relatively low $150 annual fee, The Hilton Honors American Express Surpass Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

Waldorf Astoria Pedregal – Cabo, Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays and 3% back on select categories in the US: gas stations, gas, and groceries. Remember you’ll earn 3X Hilton Honors points on other eligible purchases, so that would be worth about a 1.5% return on spend.

The Hilton portfolio also has some amazing hotels and resorts at which you can spend your Hilton Honors points and Free Night Reward certificates. You can get value of rooms that sell for over $1,000 a night and include the Waldorf Astoria Maldives Ithaafushi and the Waldorf Astoria Pedregal in Los Cabos. You could easily make a case that simply being able to earn the lucrative Free Night Reward certificates is reason enough to hold this card.

While we don’t recommend the Hilton Honors Surpass card as your only credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the Hilton Honors Surpass® Credit Card

Unique Card Benefits

yes

Secondary Car Rental CDW Waiver

yes

No Foreign Transaction Fees

yes

Grants Hotel Status

yes

Annual Statement Credits

yes

Grants Car Rental Status

yes

Trip Protections

yes

Extended Warranty

yes

Purchase Protection

yes

No Fees for Authorized Users

yes

Amex Offers

yes