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Capital One Venture X vs Hilton Honors American Express Surpass Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Venture XCapital One | Hilton Honors American Express Surpass CardAmerican Express |
|---|---|---|
| Rating | 4.9/5 | 4.3/5 |
| Annual Fee | $395 | $150 |
| APR | 19.49% - 28.49% | 19.49% - 28.49% |
| Signup Bonus | 75,000 miles after spending $4,000 in 3 months | Free Night Reward + 70,000 bonus points (limited-time offer) |
| Rewards Rate | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else |
| Credit Score | excellent | good |
| Pros | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary | 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 | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 | $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: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the Hilton Honors American Express Surpass Card (4.3/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.