New: Compare up to 3 cards side-by-side instantly Compare now →
Discover it Miles vs Hilton Honors American Express Surpass Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Discover it MilesDiscover | Hilton Honors American Express Surpass CardAmerican Express |
|---|---|---|
| Rating | 4.2/5 | 4.3/5 |
| Annual Fee | $0 | $150 |
| APR | 17.49% - 26.49% | 19.49% - 28.49% |
| Signup Bonus | Unlimited Mile-for-Mile match for all miles earned in first year | Free Night Reward + 70,000 bonus points (limited-time offer) |
| Rewards Rate | 1.5X miles on every purchase | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else |
| Credit Score | good | good |
| Pros | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers | 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 | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks | $150 annual fee Hilton points worth ~0.5cpp — need volume to get value American Express not accepted everywhere internationally |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Hilton Honors American Express Surpass Card
With a 4.3/5 rating, the Hilton Honors American Express Surpass Card edges out the Discover it Miles (4.2/5). At $150/yr, the value proposition is strong. The Hilton Surpass piles up points fast with 12X at Hilton and 6X on everyday categories. Gold status adds free breakfast and room upgrades at most Hilton brands, making it the best mid-tier hotel card for Hilton loyalists.