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Hilton Honors Surpass Amex vs Chase Sapphire Preferred

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: Chase Sapphire Preferred leads by 6.3 pts. Scores: Hilton Honors Surpass Amex 67.1%, Chase Sapphire Preferred 73.4%.

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, Chase Sapphire Preferred nets $233/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeAmex: 5.0 · Preferred: 8.0
• Rewards rateAmex: 10 · Preferred: 6.0
• Sign-up bonusAmex: n/a · Preferred: 10
• Intro 0% APRAmex: 0.0 · Preferred: 0.0
• Regular APRAmex: 7.0 · Preferred: 7.4
• Foreign transaction feeAmex: 10.0 · Preferred: 10.0
• Regulatory record (CFPB)Amex: 10.0 · Preferred: 10.0

Downsides

• 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)

• Chase Sapphire Preferred73.4%
  Chase · travel
  Annual fee $95APR 19.49%–27.74% variableRewards 5x Chase Travel; 3x dining, gas/EV, streaming & online groceries; 2x other travel; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%

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 Chase Sapphire Preferred?

On VaultRubric's rubric: Chase Sapphire Preferred 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.