Chase Sapphire Preferred® Card vs Hilton Honors Surpass

Compare Rewards, Interest Rates, Fees, and Benefits

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Chase Sapphire Preferred is a high-earning rewards card for those with excellent credit. How does it compare to Hilton Honors Surpass from American Express, a hotel card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Preferred has a $95 annual fee, while the Hilton Honors Surpass has a $150 annual fee.

	Chase Sapphire Preferred® Card	Hilton Honors American Express Surpass® Card

	Credit Card Interest Rates & Fees
Purchase APR	20.49% to 27.49% Variable based on your creditworthiness and other factors	19.99% to 28.99% Variable based on your creditworthiness and other factors
Balance Transfers APR	20.49% to 27.49% Variable based on your creditworthiness and other factors	N/A
Foreign Transaction Fee	$0	No foreign transaction fee
Annual Fee	$95 annual fee	$150 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Hotel Rewards		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.
Introductory Bonus Offer	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Travel Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Airline Rewards	1:1 point transfer to leading airline and hotel loyalty programs
Bonus Hotel Rewards	$50 Annual Chase Travel Hotel Credit	Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Hotel Rewards	1:1 point transfer to leading airline and hotel loyalty programs	Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations. Earn 4X Points for each dollar on U.S. Online Retail Purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Point Rewards	Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Hotel Status		Enjoy complimentary Gold status with your Hilton Honors Surpass Card. Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond status through the end of the next calendar year.
Gas Rewards		Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. gas stations.
Grocery Rewards		Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.
Dining Rewards	3X points on dining	Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants.
Airline Transfer Partners	Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: Generous bonus points Flexible travel rewards Travel, purchase and security protection $0 Foreign Transaction Fee Cons: $95 annual fee No intro APR
Bottom Line	High-earning rewards card for those with excellent credit... Read full review

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