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Capital One Venture X vs Hilton Honors Surpass Amex

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Venture X leads by 7.2 pts. Scores: Capital One Venture X 74.3%, Hilton Honors Surpass Amex 67.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Venture X nets $66/yr, Hilton Honors Surpass Amex nets $379/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeX: 5.0 · Amex: 5.0
• Rewards rateX: 10 · Amex: 10
• Sign-up bonusX: 10 · Amex: n/a
• Intro 0% APRX: 0.0 · Amex: 0.0
• Regular APRX: 7.0 · Amex: 7.0
• Foreign transaction feeX: 10.0 · Amex: 10.0
• Regulatory record (CFPB)X: 10.0 · Amex: 10.0

Downsides

• Capital One Venture X74.3%
  Capital One · travel
  Annual fee $395APR 19.74%–28.74% variableRewards 10x Capital One Travel hotels & rental cars; 5x flights & vacation rentals; 2x otherCredit Excellent

  ⚠ $395 annual fee · APR up to 28.74% if you carry a balance · Late fee up to $40

• Hilton Honors Surpass Amex67.1%
  American Express · travel
  Annual fee $150 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–28.74% variableRewards 3% base; 6% dining; 6% gas; 6% groceries; 4% onlineCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $150 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Venture X or Hilton Honors Surpass Amex?

On VaultRubric's rubric: Capital One Venture X scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.