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COMPARE/HILTON HONORS AMERICAN EXPRESS SURPASS CARD VS UNITED EXPLORER
FIRST CARD
SECOND CARD

Hilton Honors American Express Surpass Card or Chase United Explorer?

Chase United Explorer returns $230 over its fee and Hilton Honors American Express Surpass Card returns $50, so the fee difference comes down to which categories you use.

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
Chase United Explorer
Chase United ExplorerChase · $150 fee · 4 credits
NET VALUE+$50$200 credits
NET VALUE+$230$380 credits
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins0 of 3
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
BEST NET VALUE
Chase United Explorer
CHASEChase United Explorer
FEE$150
CREDITS$380
NET+$230
Category wins2 of 3
TAKE THE UNITED EXPLORER IF

You use food & dining, transportation. Food & Dining and Transportation alone are worth $180 here and nothing on the Hilton Honors American Express Surpass Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, Hilton Honors American Express Surpass Card or Chase United Explorer?

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.

What's the difference between Hilton Honors American Express Surpass Card and Chase United Explorer?

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.

Is the Chase United Explorer worth it compared to the Hilton Honors American Express Surpass Card?

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.

Amex vs Chase: which issuer is better?

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.

Which card is better for food_and_dining?

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.

Should I get the Chase United Explorer?

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.

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American Express Gold+$99
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MORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS

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