American Express Hilton Honors Surpass Capital One Venture Rewards
American Express Hilton Honors Surpass
$150/yr
Capital One Venture Rewards
$95/yr
Every $1 · two cards
American Express Hilton Honors Surpass earns more in 0 of 9 categories · Capital One Venture Rewards in 8
- Dining6×2.4¢ per $12×3.6¢ per $1
- Groceries6×2.4¢ per $12×3.6¢ per $1
- Gas6×2.4¢ per $12×3.6¢ per $1
- Flights3×1.2¢ per $12×3.6¢ per $1
- Hotels3×1.2¢ per $15×9¢ per $1
via Capital One Travel
- Everything else3×1.2¢ per $12×3.6¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
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
- Global Assist® Hotline · $0
- National Emerald Club Executive Status · $0
- Extended Warranty · $0
Capital One
Venture Rewards
- Annual fee
- $95
- Network
- visa
- Welcome value
- $1,050
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Hotels, vacation rentals, and rental cars · Capital One Miles
- 5×Capital One Entertainment purchases · Capital One Miles
- 2×Every purchase · Capital One Miles
Key benefits
- Global Entry or TSA PreCheck credit · $120
- $50 Lifestyle Collection experience credit · $50
- Capital One Offers · $0
- Capital One Entertainment access · $0
- No Foreign Transaction Fees · $0
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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