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Hilton Honors American Express Surpass Card vs U.S. Bank Altitude Go Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Hilton Honors American Express Surpass CardAmerican Express | U.S. Bank Altitude Go Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.3/5 | 4.3/5 |
| Annual Fee | $150 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 27.49% |
| Signup Bonus | Free Night Reward + 70,000 bonus points (limited-time offer) | 20,000 bonus points ($200 value) after spending $1,000 in 90 days |
| Rewards Rate | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else | 4X on dining (up to $2,000/quarter), 2X on grocery stores, gas stations/EV, and streaming, 1X on everything else |
| Credit Score | good | good |
| Pros | 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 | 4X on dining with no annual fee is best-in-class for a free card 2X on groceries, gas, and streaming covers common spend 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | $150 annual fee Hilton points worth ~0.5cpp — need volume to get value American Express not accepted everywhere internationally | $2,000 quarterly cap on 4X dining 20,000-point bonus is modest compared to competitors Limited to U.S. Bank customers for best redemption value |
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Verdict
Our Pick: Hilton Honors American Express Surpass Card
Both cards tie at 4.3/5, but 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.