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.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Hilton Honors Surpass Amex nets $379/yr, Amex Gold nets $229/yr after annual fees. Use your own numbers →
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)
Annual fee $325APR 19.74%–28.74% variableRewards 4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flightsCredit 720+ (CFPB TCCP targeted tiers)
⚠ $325 annual 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, Hilton Honors Surpass Amex or Amex Gold?
On VaultRubric's rubric: Hilton Honors Surpass Amex 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.