Chase Sapphire Reserve® vs. Hilton Honors American Express Surpass®
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
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. Chase Sapphire Reserve® may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Reserve®
Hilton Honors American
Annual Fee
$550/yr
$150/yr Best
Sign-up Bonus
60,000 points
130,000 points
Rewards Rate
1x-10x
3x-12x
Rewards Type
Points
Points
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
720-850
670-850
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
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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