Question 1

Which is better, Hilton Honors American Express Surpass Card or American Express Platinum?

Accepted Answer

The American Express Platinum is better with $2,109 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The American Express Platinum wins by $2,059/year.

Question 2

What's the difference between Hilton Honors American Express Surpass Card and American Express Platinum?

Accepted Answer

The key differences: American Express Platinum has a $895 annual fee and $3,004 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 $745.

Question 3

Which has a lower annual fee, Hilton Honors American Express Surpass Card or American Express Platinum?

Accepted Answer

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the American Express Platinum at $895. However, the American Express Platinum offers $3,004 in total annual benefits.

Question 4

Is the American Express Platinum worth it compared to the Hilton Honors American Express Surpass Card?

Accepted Answer

Yes, the American Express Platinum offers better value with $2,109 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. Even though it has a higher annual fee ($895 vs $150), the American Express Platinum provides more total benefits.

Question 5

Which card is better for lifestyle?

Accepted Answer

The American Express Platinum is better for lifestyle with $955 in annual lifestyle benefits compared to $0 for the Hilton Honors American Express Surpass Card.

Question 6

Should I get the American Express Platinum?

Accepted Answer

If you're deciding between the Hilton Honors American Express Surpass Card and American Express Platinum, the American Express Platinum is the better choice with $2,109 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.

CATEGORY	HILTON HONORS AMERICAN EXPRESS SURPASS CARD	PLATINUM
🌎Travel	$200	$1,019
✨Lifestyle	—	$955
🍽️Food & Dining	—	$580
🎭Entertainment & Media	—	$300
🚗Transportation	—	$300
Hotel Free Night Certificates	Hilton Surpass Free Night	—
Lounge Access	—	Centurion Lounge Access Delta Sky Club Access Priority Pass Select (No Restaurants)
Total credits	$200	$3,004
Annual fee	$150	$895
Net value	+$50	+$2,109

Hilton Honors American Express Surpass Card or American Express Platinum?

Where to use each card

Frequently asked questions

Which is better, Hilton Honors American Express Surpass Card or American Express Platinum?

What's the difference between Hilton Honors American Express Surpass Card and American Express Platinum?

Which has a lower annual fee, Hilton Honors American Express Surpass Card or American Express Platinum?

Is the American Express Platinum worth it compared to the Hilton Honors American Express Surpass Card?

Which card is better for lifestyle?

Should I get the American Express Platinum?

Other comparisons

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