Chase Sapphire Preferred® Card vs. Hilton Honors American Express Surpass®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
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
Chase Sapphire Preferred® Card wins on more measurable categories — particularly annual cost. Hilton Honors American Express Surpass® may still win for your wallet depending on how you spend.
Feature
Chase Sapphire Preferred®
Hilton Honors American
Annual Fee
$95/yr Best
$150/yr
Sign-up Bonus
60,000 points
130,000 points
Rewards Rate
1x-5x
3x-12x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
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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