American Express® Gold Card vs Hilton Honors American Express Surpass® Card

American Express® Gold CardAmerican Express® Gold Card

American Express

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

American Express

Loading...
Annual Fee
$325
$150
Card Type
Personal
Personal
Rewards Currency
Membership Rewards
Hilton Honors Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
Up to 100,000 Membership Rewards after $8,000 in 6 months (offers vary)
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryAmerican Express® Gold CardHilton Honors American Express Surpass® Card
Dining & Restaurants8.00%
4x
3.00%
6x
Groceries8.00%
4x · $25,000 cap
3.00%
6x
Travel6.00%
3x
1.50%
3x
Gas Stations2.00%
1x
3.00%
6x
Streaming Services2.00%
1x
1.50%
3x
Everything else2.00%
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?

Ask the Advisor