accordion-minus accordion-plus account-aside-cards-ico account-aside-consultations-ico account-aside-logout-ico account-aside-profile-ico account-aside-reading-ico account-aside-settings-ico account-aside-wishlist-ico account-categories-edit account-categories-save account-mobile-nav-arr account-sidebar-active bonus-ico btn-find-ico btn-gradient-fb-ico btn-ico-edit business-ico calc-ico cash-ico check-green close-ico compare-card-equal-ico compare-card-plus-ico compare-plus-ico compare-tooltip-arr compare-tooltip-close compare-tooltip-ico correct-ico correct-large-ico credit-card-bullet err-info-ico facebook facetwp-selections-arr filter-arr heart-ico-filled heart-ico hero-section-bg-animated-mask hero-section-bg-mask-2 hero-section-bg-mask home-slider-arr-icon incorrect-ico insta is-best-ico listing-mob-filter listing-mob-sort loader-ico lock-ico-filled-white lock-ico-filled lock-ico login-facebook login-google login-linkedin my-cards-toggle notification-close-ico notification-success-ico notify-like-clicked notify-like notify-me-ico-clicked notify-me-ico num-counter-item-ico personal-ico points-ico price-edit-blue profile-ico remove-card search-ico select-arr share-facebook-ico share-linkedin-ico share-mail-ico share-twitter-ico sign-in-google-ico slider-ico-1 slider-ico-2 slider-ico-3 slider-ico-4 slider-ico-5 slider-ico-6 stars-5-empty stars-5-filled-edit stars-5-filled tooltip-filter-ico-green tooltip-filter-ico-light tooltip-filter-ico-white tooltip-filter-ico tooltip-ico twitter-widget-ico twitter ybcc-comparison-arr ybcc-comparison-card ybcc-socials-fb ybcc-socials-inst ybcc-socials-tw ybcc-socials-yt youtube
Explore Credit Cards Add Your Spending Profile
­čĺ│ Get up to a $3,000 Early Spend Bonus on Spark Cash Plus ­čĺÁ

Our “Famous Card Explorer”

There is no other site on the planet that lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences. If you choose to tell us what categories you spend the most on, we'll even tell you exactly how much you'll earn in rewards each year from each credit card we offer. Don't feel like doing that? No worries! We'll still help you narrow things down quickly. Find Your Best Credit Cards in minutes - guaranteed!

Settings

Personal or business card?:

I am looking for:

Sort by:

Notify me of bonus offer changes
American Express is an Advertising Partner

Hilton Honors Surpass® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

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.

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

12x
Hotels
Estimated Rewards Value: 6%

U.S. gast stations

6x
Gas Stations
Estimated Rewards Value: 3%

U.S. dining, including takeout and delivery

6x
Dining Out / Food Delivery
Estimated Rewards Value: 3%

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.)

6x
Groceries
Estimated Rewards Value: 3%

U.S. Online Retail Shopping

4x
Online Retail Shopping
Estimated Rewards Value: 2%
3x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
  • 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
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.005

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.

APR: 20.99%-29.99% (Variable)
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.

Last Updated: February 22, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Notify me of bonus offer changes
American Express is an Advertising Partner

Blue Cash Everyday® Card from American Express

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.4) 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.

Min Credit Score:
Good (670-739) *
Annual Fee:

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)

3x
Gas Stations
Estimated Rewards Value: 3%

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.)

3x
Groceries
Estimated Rewards Value: 3%

U.S. Online Retail Shopping, up to $6,000 per calendar year in purchases (then 1% thereafter)

3x
Online Retail Shopping
Estimated Rewards Value: 3%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • 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).
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! ­čśë

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-29.99% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-29.99% thereafter)
Balance
transfer fees:
Either $5 or 3% of the amount of each transfer, whichever is greater.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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.

Last Updated: February 22, 2024
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1.5x Transit
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.012
Best Multiplier
3x Airfare
2x Transit
+ 5 more

Your account has been successfully created!