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COMPARE/HILTON HONORS AMERICAN EXPRESS SURPASS CARD VS HYATT
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Hilton Honors American Express Surpass Card or Chase Hyatt?

Hilton Honors American Express Surpass Card returns $50 over its fee and Chase Hyatt returns $95, so the fee difference comes down to which categories you use.

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
Chase Hyatt
Chase HyattChase · $95 fee · 0 credits
NET VALUE+$50$200 credits
NET VALUE-$95$0 credits
BEST NET VALUE
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
Chase Hyatt
CHASEChase Hyatt
FEE$95
CREDITS$0
NET-$95
Category wins0 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hyatt Cat 1-4 Free Night
TAKE THE HILTON HONORS AMERICAN EXPRESS SURPASS CARD IF

You use travel. Travel alone is worth $200 here and nothing on the Hyatt.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

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

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

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

The key differences: Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits, while Chase Hyatt has a $95 annual fee and $0 in annual benefits. The annual fee difference is $55.

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

The Chase Hyatt has a lower annual fee at $95 compared to the Hilton Honors American Express Surpass Card at $150. However, the Hilton Honors American Express Surpass Card offers $200 in total annual benefits.

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

Yes, the Hilton Honors American Express Surpass Card offers better value with $50 net annual value compared to -$95 for the Chase Hyatt. Even though it has a higher annual fee ($150 vs $95), the Hilton Honors American Express Surpass Card provides more total benefits.

Amex vs Chase: which issuer is better?

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.

Which card is better for travel?

The Hilton Honors American Express Surpass Card is better for travel with $200 in annual travel benefits compared to $0 for the Chase Hyatt.

Should I get the Hilton Honors American Express Surpass Card?

If you're deciding between the Hilton Honors American Express Surpass Card and Chase Hyatt, 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.

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