Question 1

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

Accepted Answer

The Chase Sapphire Preferred is better with $455 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase Sapphire Preferred wins by $405/year.

Question 2

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

Accepted Answer

The key differences: Hilton Honors American Express Surpass Card has a $150 annual fee and $550 in annual benefits, while Chase Sapphire Preferred has a $95 annual fee and $200 in annual benefits. The annual fee difference is $55.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

Yes, the Chase Sapphire Preferred offers better value with $455 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. It also has a lower annual fee.

Question 5

Amex vs Chase: which issuer is better?

Accepted Answer

For these specific cards, Chase's Chase Sapphire Preferred offers better value with $455 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for food_and_dining?

Accepted Answer

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.

Question 7

Should I get the Chase Sapphire Preferred?

Accepted Answer

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 $455 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	SAPPHIRE PREFERRED
🌎Travel	$200	$100
🍽️Food & Dining	—	$240
🎭Entertainment & Media	—	$180
Hotel Free Night Certificates	Hilton Surpass Free Night	—
Total credits	$200	$550
Annual fee	$150	$95
Net value	+$50	+$455

Hilton Honors American Express Surpass Card or Chase Sapphire Preferred?

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