Question 1

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

Accepted Answer

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase Sapphire Reserve wins by $2,298/year.

Question 2

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

Accepted Answer

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 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.

Question 3

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

Accepted Answer

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 $3,143 in total annual benefits.

Question 4

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

Accepted Answer

Yes, the Chase Sapphire Reserve offers better value with $2,348 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.

Question 5

Amex vs Chase: which issuer is better?

Accepted Answer

For these specific cards, Chase's Chase Sapphire Reserve offers better value with $2,348 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for travel?

Accepted Answer

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.

Question 7

Should I get the Chase Sapphire Reserve?

Accepted Answer

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 $2,348 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 RESERVE
🌎Travel	$200	$1,050
🍽️Food & Dining	—	$840
🎭Entertainment & Media	—	$624
✨Lifestyle	—	$479
🚗Transportation	—	$120
Hotel Free Night Certificates	Hilton Surpass Free Night	—
Lounge Access	—	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)
Total credits	$200	$3,143
Annual fee	$150	$795
Net value	+$50	+$2,348

Hilton Honors American Express Surpass Card or Chase Sapphire Reserve?

Where to use each card

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