Hilton Honors American Express Surpass Card vs Chase United Quest Comparison

The Chase United Quest is better with $426 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Chase United Quest wins by $376/year.

The key differences: Chase United Quest has a $350 annual fee and $776 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 $200.

The Hilton Honors American Express Surpass Card has a lower annual fee at $150 compared to the Chase United Quest at $350. However, the Chase United Quest offers $776 in total annual benefits.

Yes, the Chase United Quest offers better value with $426 net annual value compared to $50 for the Hilton Honors American Express Surpass Card. Even though it has a higher annual fee ($350 vs $150), the Chase United Quest provides more total benefits.

For these specific cards, Chase's Chase United Quest offers better value with $426 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

The Chase United Quest is better for travel with $500 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 United Quest, the Chase United Quest is the better choice with $426 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.