Hilton Honors American Express Surpass Card vs Chase Sapphire Preferred Comparison

The Chase Sapphire Preferred is better with $195 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase Sapphire Preferred wins by $145/year.

The key differences: Hilton Honors American Express Surpass Card has a $150 annual fee and $290 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $200 in annual benefits. The annual fee difference is $55.

The Chase Sapphire Preferred 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.

Yes, the Chase Sapphire Preferred offers better value with $195 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. It also has a lower annual fee.

For these specific cards, Chase's Chase Sapphire Preferred offers better value with $195 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The Chase Sapphire Preferred 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 Hilton Honors American Express Surpass Card and Chase Sapphire Preferred, the Chase Sapphire Preferred is the better choice with $195 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.