Hilton Honors American Express Surpass Card vs Chase United Explorer Comparison

The Chase United Explorer is better with $230 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase United Explorer wins by $180/year.

The key differences: Chase United Explorer has a $150 annual fee and $380 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits.

Yes, the Chase United Explorer offers better value with $230 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. It also has a similar annual fee.

For these specific cards, Chase's Chase United Explorer offers better value with $230 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The Chase United Explorer is better for food_and_dining with $120 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 Explorer, the Chase United Explorer is the better choice with $230 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.