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VS

Compare the Features and Benefits of Hilton Honors Surpass® Credit Card and
Capital One Venture X Business

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
Annual Statement Credits
Secondary Car Rental CDW Waiver
Extended Warranty
No Fees for Authorized Users
No Foreign Transaction Fees
Grants Hotel Status
Grants Car Rental Status
Trip Protections
Purchase Protection
Amex Offers
Has No Preset Spending Limit
Airport Lounge Access
Does Not Report Credit Line to Personal Credit Profile
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Annual Fee
$150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
12x Hotels

At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points

6x Gas Stations

U.S. gast stations

6x Dining Out / Food Delivery

U.S. dining, including takeout and delivery

6x Groceries

U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

4x Online Retail Shopping

U.S. Online Retail Shopping

3x Everything Else
Avg. Point Value
(Learn More)
$0.005
Bonus Offer
Earn 130,000 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.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.08) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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.

Hilton Surpass Credit Card dining bonus category
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.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.
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

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Trip Protections
yes
Purchase Protection
yes
Amex Offers
yes
Has No Preset Spending Limit
no
Airport Lounge Access
no
Does Not Report Credit Line to Personal Credit Profile
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Ends March 11th! Earn 150,000 Miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Priority Pass, Plaza Premium, Capital One Lounges, and Virgin Clubhouse airport lounge access, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
no
Grants Car Rental Status
no
Trip Protections
no
Purchase Protection
no
Amex Offers
no
Has No Preset Spending Limit
yes
Airport Lounge Access
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes

Learn more about these cards today

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