Hilton Honors American Express Surpass Card vs Capital One Venture X Comparison

The Hilton Honors American Express Surpass Card is better with $50 net annual value compared to the Capital One Venture X at -$95. The Hilton Honors American Express Surpass Card wins by $145/year.

The key differences: Capital One Venture X has a $395 annual fee and $300 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 $245.

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the Capital One Venture X at $395. However, the Capital One Venture X offers $300 in total annual benefits.

Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$95 for the Capital One Venture X. It also has a lower annual fee.

For these specific cards, Amex's Hilton Honors American Express Surpass Card offers better value with $50 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The Capital One Venture X is better for travel with $300 in annual travel benefits compared to $200 for the Hilton Honors American Express Surpass Card.

If you're deciding between the Hilton Honors American Express Surpass Card and Capital One Venture X, 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.