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Compare the Features and Benefits of Hilton Honors Surpass® Credit Card and
United Gateway℠ Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
Grants Hotel Status
Annual Statement Credits
Grants Car Rental Status
No Fees for Authorized Users
Amex Offers
0% Intro APR on Purchases
Concierge Services
Free Access to Credit Score
Annual Fee
$150 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
-
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 plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024. Terms Apply.
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
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
No Fees for Authorized Users
yes
Amex Offers
yes
0% Intro APR on Purchases
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 21.99%-28.99% thereafter)
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare

Applies only to United purchases. Otherwise, earn 1X

2x Transit
2x Gas Stations
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 30,000 United MileagePlus® Miles after spending $1,000 on qualifying purchases in the first three months of opening an account, plus 0% APR on purchases within the first twelve months. Offer ends August 7, 2024.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) 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 United Gateway card does a solid job of providing enough benefits to make you wonder if it will be sufficient, vs investing $95 or more on one of the other Chase United credit cards since this is the only one with no annual fee.

The answer will depend on you.

If you fly several times a year and check a bag each time, then you’ll come out ahead paying the $95 annual fee on the United℠ Explorer Card since you’ll get free checked bags (one for you and a companion on the same itinerary) every time you pay with your card on a domestic flight. You also won’t get priority boarding with the Gateway card.

However, if you are on “Team Carry-On Only,” then this card provides many of the same benefits, including the benefit that gives you access to expanded Saver economy coach availability just like a United Silver Premier member. However, unlike all of the other United cards, you won’t be entitled to upgrades on award tickets.

Additionally, you won’t have any opportunities to earn PQPs from spending on this card whereas all the other United cards do offer that benefit.

Lastly, you might do better with a card like the Chase Sapphire Preferred® Card if you aren’t using the checked bag benefit or the expanded award availability benefit. That’s because you’ll have more opportunities to earn points from spend on the Sapphire Preferred, and while you can transfer those points right over to United, you can also take advantage of all of the other Chase Ultimate Rewards airline and hotel transfer partners.

united-gateway-card

In the end, it depends on you if this is a good card for you, or if another similar card might be better.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
Grants Hotel Status
no
Annual Statement Credits
no
Grants Car Rental Status
no
No Fees for Authorized Users
no
Amex Offers
no
0% Intro APR on Purchases
yes
Concierge Services
yes
Free Access to Credit Score
yes

Learn more about these cards today

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