Hilton Honors American Express Surpass® vs. Discover it® Secured Credit Card
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 →
Discover it® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →WealthSpott Verdict
Hilton Honors American Express Surpass® wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on how you spend.
Feature
Hilton Honors American
Discover it® Secured
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
130,000 points
Cashback Match
Rewards Rate
3x-12x
1%-2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
300-669
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
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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