Southwest Rapid Rewards® Priority vs. Hilton Honors American Express Surpass®
Side-by-side comparison · Updated 2026 · Independently reviewed
Southwest Rapid Rewards® Priority
Chase
4.3
50,000 bonus points. 7,500 anniversary points. $75 travel credit.
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
Southwest Rapid Rewards® Priority 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
Southwest Rapid Rewards®
Hilton Honors American
Annual Fee
$149/yr Best
$150/yr
Sign-up Bonus
50,000 points
130,000 points
Rewards Rate
1x-3x
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
Yes
None Best
Recommended Credit Score
670-850
670-850
Southwest Rapid Rewards® Priority
Pros
- 7,500 anniversary points each year
- $75 annual Southwest travel credit
- 4 upgraded boardings per year
- Path to Companion Pass with enough spending
Cons
- $149 annual fee
- Only valuable for Southwest flyers
- Foreign transaction fee
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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