Hilton Honors American Express Surpass Card vs Chase United Club Comparison

The Chase United Club is better with $89 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase United Club wins by $39/year.

The key differences: Chase United Club has a $695 annual fee and $784 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 $545.

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the Chase United Club at $695. However, the Chase United Club offers $784 in total annual benefits.

Yes, the Chase United Club offers better value with $89 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. Even though it has a higher annual fee ($695 vs $150), the Chase United Club provides more total benefits.

For these specific cards, Chase's Chase United Club offers better value with $89 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The Chase United Club 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 United Club, the Chase United Club is the better choice with $89 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.