American Express Delta SkyMiles Reserve vs Hilton Honors American Express Surpass Card Comparison

The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the American Express Delta SkyMiles Reserve at -$90. The Hilton Honors American Express Surpass Card wins by $140/year.

The key differences: American Express Delta SkyMiles Reserve has a $650 annual fee and $560 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits. The annual fee difference is $500.

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the American Express Delta SkyMiles Reserve at $650. However, the American Express Delta SkyMiles Reserve offers $560 in total annual benefits.

Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$90 for the American Express Delta SkyMiles Reserve. It also has a lower annual fee.

The American Express Delta SkyMiles Reserve is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Hilton Honors American Express Surpass Card.

If you're deciding between the American Express Delta SkyMiles Reserve and Hilton Honors American Express Surpass Card, the Hilton Honors American Express Surpass Card is the better choice with $50 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.