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All comparisons
Head-to-head, 2026

American Express Hilton Honors Surpass American Express Marriott Bonvoy Bevy

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 Marriott Bonvoy Bevy

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
  • 6×U.S. supermarkets
  • 6×U.S. gas stations

Key benefits

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

American Express

Marriott Bonvoy Bevy

Annual fee
$250
Network
amex
Welcome value
~$638
Min spend
$5,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy® · Marriott Bonvoy
  • 4×Restaurants worldwide and U.S. Supermarkets · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Marriott Bonvoy Bevy Free Night Award (Spend Tier) · $375
  • 15 Elite Night Credits · $0
  • Global Assist® Hotline · $0
  • American Express Venue Collection · $0
  • Extended Warranty · $0
Full American Express Marriott Bonvoy Bevy 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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