Hilton Honors Surpass Amex vs Chase Sapphire Reserve
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, Chase Sapphire Reserve nets −$439/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeAmex: 5.0 · Reserve: 1.0
Rewards rateAmex: 10 · Reserve: 6.5
Sign-up bonusAmex: n/a · Reserve: 10
Intro 0% APRAmex: 0.0 · Reserve: 0.0
Regular APRAmex: 7.0 · Reserve: 7.2
Foreign transaction feeAmex: 10.0 · Reserve: 10.0
Regulatory record (CFPB)Amex: 10.0 · Reserve: 10.0
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
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)
⚠ $795 annual fee · APR up to 28.24% 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 Reserve?
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.