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The Platinum Card from American Express vs Hilton Honors American Express Surpass Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | The Platinum Card from American ExpressAmerican Express | Hilton Honors American Express Surpass CardAmerican Express |
|---|---|---|
| Rating | 4.8/5 | 4.3/5 |
| Annual Fee | $895 | $150 |
| APR | N/A (Pay Over Time: 19.49% - 28.49%) | 19.49% - 28.49% |
| Signup Bonus | As high as 175,000 points after spending $12,000 in 6 months (offer varies by applicant) | Free Night Reward + 70,000 bonus points (limited-time offer) |
| Rewards Rate | 5X on flights and prepaid hotels via Amex Travel, 1X on everything else | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else |
| Credit Score | excellent | good |
| Pros | Centurion Lounges + Priority Pass + Delta Sky Clubs (10 visits/yr) Over $2,000 in annual credits (hotel, airline, Uber, Saks, Resy, CLEAR) 5X on flights and prepaid hotels via Amex Travel | 12X at Hilton and 6X on dining/groceries/gas are massive multipliers Complimentary Hilton Gold status with room upgrades and free breakfast Free night reward after spending $15K in a calendar year |
| Cons | $895 annual fee is steep without maximizing credits 1X on most non-travel spending Charge card — balance must be paid in full (Pay Over Time available) | $150 annual fee Hilton points worth ~0.5cpp — need volume to get value American Express not accepted everywhere internationally |
| View Details → | View Details → |
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Verdict
Our Pick: The Platinum Card from American Express
With a 4.8/5 rating, the The Platinum Card from American Express edges out the Hilton Honors American Express Surpass Card (4.3/5). At $895/yr, the value proposition is strong. The Amex Platinum is the ultimate luxury travel card. With unmatched lounge access, 5X on flights and hotels, and over $2,000 in annual credits, it rewards frequent travelers who can put its perks to work.