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All comparisons
Head-to-head, 2026

American Express Gold 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 SurpassBigger welcome offer: American Express Gold

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
$1,000
Min spend
$8,000 / 6mo

Top earning rates

  • 4×dining · Membership Rewards
  • 4×grocery · Membership Rewards
  • 3×flights · Membership Rewards
  • 2×travel · Membership Rewards

Key benefits

  • $100 The Hotel Collection Credit · $100
  • Car Rental Loss and Damage Insurance · $75
  • $100 Resy Credit · $50
  • Baggage Insurance Plan · $50
  • No Foreign Transaction Fees · $35
Full American Express Gold review

American Express

Hilton Honors Surpass

Annual fee
$150
Network
amex
Welcome value
$990
Min spend
$3,000 / 3mo

Top earning rates

  • 12×Hilton purchases · Hilton Honors
  • 6×dining · Hilton Honors
  • 6×groceries · Hilton Honors
  • 6×gas · Hilton Honors

Key benefits

  • Free Night Reward · $300
  • Hilton Honors Gold Status · $250
  • Priority Pass Select · $250
  • National Emerald Club Executive Status · $100
  • No Foreign Transaction Fees · $50
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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