Hilton Honors American Express Surpass Card vs American Express Platinum (Charles Schwab) Comparison

The American Express Platinum (Charles Schwab) is better with $2,181 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The American Express Platinum (Charles Schwab) wins by $2,131/year.

The key differences: American Express Platinum (Charles Schwab) has a $895 annual fee and $3,076 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.

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the American Express Platinum (Charles Schwab) at $895. However, the American Express Platinum (Charles Schwab) offers $3,076 in total annual benefits.

Yes, the American Express Platinum (Charles Schwab) offers better value with $2,181 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 (Charles Schwab) provides more total benefits.

The American Express Platinum (Charles Schwab) is better for lifestyle with $1,067 in annual lifestyle benefits compared to $0 for the Hilton Honors American Express Surpass Card.

If you're deciding between the Hilton Honors American Express Surpass Card and American Express Platinum (Charles Schwab), the American Express Platinum (Charles Schwab) is the better choice with $2,181 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.