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Hilton Honors Surpass® Credit Card
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.
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. Terms apply.
Bonus points for spend in the following bonus categories:
At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points
U.S. gast stations
U.S. dining, including takeout and delivery
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.)
U.S. Online Retail Shopping
- Very high earn rate for all spend at Hilton properties (12X)
- Comes with complimentary Hilton Gold elite status
- Offers the ability to earn a valuable Free Night Reward with $15,000 in spend in a calendar year
Pros
- If you stay at Hilton Hotels often, the 12X earn rate on Hilton Hotels will really add up.
- Includes mid-tier Hilton Gold status, a way to spend to Diamond status
- Spend your way to a Free Night Reward valid at almost any Hilton property in the world
Cons
- The card only earns Hilton Honors points, so you would not be able to redeem them for stays at other hotel chains.
- Earning a specific type of co-branded point, like Hilton Honors points, limits your redemption opportunities and your points balance may be worth less over time if the program changes how points are redeemed via a devaluation of the loyalty program.
- The Free Night Reward available with this card requires $15,000 in annual (calendar year) spend
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point. What is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely.
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.
Blue Cash Everyday® Card from American Express
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.
Bonus Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply.
Bonus points for spend in the following bonus categories:
U.S. Gas Stations, up to $6,000 per calendar year in purchases (then 1% thereafter)
Up to $6,000 per calendar year in purchases in each category (then 1% thereafter). At 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.)
U.S. Online Retail Shopping, up to $6,000 per calendar year in purchases (then 1% thereafter)
- A robust array of rewards categories and rates for no annual fee, plus a decent welcome bonus for new cardholders.
- The two monthly statement credits available for select Disney streaming and Home Chef purchases are a rarity for a no-annual-fee card.
- There is an introductory APR offer on purchases and balance transfers, giving cardholders the chance to save on interest. Terms Apply.
Pros
- No annual fee and with the provided statement credit offered, you can actually come out ahead.
- Generous cash back earning (in the form of "Reward Dollars") on three everyday spending categories: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1%), and 1% cash back on other eligible purchases.
- Access to Amex Offers, providing the opportunity to earn even more cash back.
Cons
- Cash back is earned as "Reward Dollars" for a statement credit and can't be converted to Amex Membership Rewards points.
- There is a limit of $6,000 in spending per year in each eligible 3% cash back bonus category. All other purchases after this earn only 1% cash back.
- This cash-back credit card carries a 2.7 percent foreign transaction (Rates and Fees).
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
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.
