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

Delta SkyMiles® Gold American Express CardDelta SkyMiles® Gold American Express 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
$150
$150
Card Type
Personal
Personal
Rewards Currency
Delta SkyMiles
Hilton Honors Points
Point Value
1.10¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
50,000 Delta SkyMiles after $2,000 in 180 days
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryDelta SkyMiles® Gold American Express CardHilton Honors American Express Surpass® Card
Dining & Restaurants2.20%
2x
3.00%
6x
Groceries2.20%
2x
3.00%
6x
Gas Stations1.10%
1x
3.00%
6x
Everything else1.10%
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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