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

Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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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
Chase Ultimate Rewards
Hilton Honors Points
Point Value
2.00¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
Limited time: 100,000 Chase Ultimate Rewards after $5,000 in 3 months
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryChase Sapphire Preferred® CardHilton Honors American Express Surpass® Card
Dining & Restaurants6.00%
3x
3.00%
6x
Streaming Services6.00%
3x
1.50%
3x
Travel4.00%
2x
1.50%
3x
EV Charging4.00%
2x
1.50%
3x
Groceries2.00%
1x
3.00%
6x
Gas Stations2.00%
1x
3.00%
6x
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?

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