American Express® Blue Cash Preferred® Card vs Hilton Honors American Express Surpass® Card

American Express® Blue Cash Preferred® CardAmerican Express® Blue Cash Preferred® Card

American Express

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Hilton Honors American Express Surpass® CardHilton Honors American Express Surpass® Card

American Express

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Annual Fee
$95
$150
Card Type
Personal
Personal
Rewards Currency
Cash Back
Hilton Honors Points
Point Value
1.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
$250 after $3,000 in 180 days
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryAmerican Express® Blue Cash Preferred® CardHilton Honors American Express Surpass® Card
Groceries6.00%
6x · $6,000 cap
3.00%
6x
Select Streaming6.00%
6x
1.50%
3x
Gas Stations3.00%
3x
3.00%
6x
Dining & Restaurants1.00%
1x
3.00%
6x
Everything else1.00%
1x
1.50%
3x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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