Hilton Honors American Express Surpass® vs. Capital One Quicksilver Secured Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
Hilton Honors American Express Surpass®
American Express
4.3
130,000 bonus points. 12x at Hilton. 6x at restaurants, supermarkets, gas.
Full review →
Capital One Quicksilver Secured Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. $200 minimum deposit.
Full review →WealthSpott Verdict
Hilton Honors American Express Surpass® and Capital One Quicksilver Secured Cash Rewards are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Hilton Honors American
Capital One Quicksilver
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
130,000 points
None
Rewards Rate
3x-12x
1.5% on all purchases
Rewards Type
Points
Cash Back
0% Intro APR
N/A
None
Regular APR
22.49%-29.49% Variable Best
29.99%
Foreign Transaction Fee
None
—
Recommended Credit Score
670-850
No credit or rebuilding
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
Capital One Quicksilver Secured Cash Rewards
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