American Express® Gold Card vs. Hilton Honors American Express Surpass®
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →Hilton Honors American Express Surpass®
American Express
4.3
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Full review →WealthSpott Verdict
Hilton Honors American Express Surpass® wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on your spending patterns.
Feature
American Express® Gold
Hilton Honors American
Annual Fee
$250/yr
$150/yr Best
Sign-up Bonus
60,000 points
130,000 points
Rewards Rate
1x-4x
3x-12x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
See terms
22.49%-29.49% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
Hilton Honors American Express Surpass®
Pros
- 12x points at Hilton properties
- 6x at restaurants, supermarkets, and gas
- Automatic Hilton Gold status
- Free weekend night after $15k annual spend
Cons
- $150 annual fee
- Hilton points worth less per point than rivals
- Free night requires $15k spend to unlock
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