Hilton Honors Surpass Amex vs Capital One Venture X
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: Hilton Honors Surpass Amex 67.1%, Capital One Venture X 74.3%.
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, Capital One Venture X nets $66/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)
⚠ $395 annual fee · APR up to 28.74% if you carry a balance · Late fee up to $40
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 Capital One Venture X?
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.