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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Platinum American Express Hilton Honors Surpass

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Hilton Honors Surpass

American Express

Delta SkyMiles Platinum

Annual fee
$350
Network
amex
Welcome value
—
Min spend
$4,000 / 6mo

Top earning rates

  • 3×Delta flights and Delta Vacations
  • 3×Hotels
  • 2×Restaurants
  • 2×U.S. Supermarkets

Key benefits

  • Annual Delta Main Companion Certificate · $350
  • $150 Delta Stays Credit · $150
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $120 Resy Credit · $10
  • $120 Rideshare Credit · $10
Full American Express Delta SkyMiles Platinum review

American Express

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
~$520
Min spend
$3,000 / 6mo

Top earning rates

  • 12×Hotels and resorts within the Hilton portfolio · Hilton Honors
  • 6×U.S. restaurants · Hilton Honors
  • 6×U.S. supermarkets · Hilton Honors
  • 6×U.S. Gas Stations · Hilton Honors

Key benefits

  • Free Night Reward (Spend Tier) · $300
  • $200 Hilton Credit · $50
  • Baggage Insurance Plan · $0
  • Hilton Honors® Gold Status · $0
  • National Emerald Club Executive Status · $0
Full American Express Hilton Honors Surpass review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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