Hilton Honors American Express Surpass Card vs Chase Sapphire Reserve Comparison

The Chase Sapphire Reserve is better with $2,126 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase Sapphire Reserve wins by $2,076/year.

The key differences: Chase Sapphire Reserve has a $795 annual fee and $2,921 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 $645.

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $2,921 in total annual benefits.

Yes, the Chase Sapphire Reserve offers better value with $2,126 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. Even though it has a higher annual fee ($795 vs $150), the Chase Sapphire Reserve provides more total benefits.

For these specific cards, Chase's Chase Sapphire Reserve offers better value with $2,126 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The Chase Sapphire Reserve is better for travel with $1,050 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 Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,126 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.