Hilton Honors American Express Surpass® vs. U.S. Bank Altitude® Go Visa Signature®
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 →
U.S. Bank Altitude® Go Visa Signature®
U.S. Bank
4.4
4x on dining. 2x on groceries, streaming, gas. No annual fee.
Full review →WealthSpott Verdict
U.S. Bank Altitude® Go Visa Signature® wins on more measurable categories — particularly annual cost. Hilton Honors American Express Surpass® may still win for your wallet depending on your spending patterns.
Feature
Hilton Honors American
U.S. Bank Altitude®
Annual Fee
$150/yr
$0 Best
Sign-up Bonus
130,000 points
20,000 points
Rewards Rate
3x-12x
1x-4x
Rewards Type
Points
Points
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
22.49%-29.49% Variable
19.24%-29.24% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
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
U.S. Bank Altitude® Go Visa Signature®
Pros
- 4x on dining with no annual fee
- No foreign transaction fee
- 2x on groceries, streaming, and gas
- 0% intro APR for 15 billing cycles
Cons
- Points value is lower than Chase or Amex
- US Bank has fewer transfer partners
- Lower sign-up bonus than competitors
Not sure which card is right for you?
Browse all credit cards