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Hilton Honors American Express Surpass Card vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Hilton Honors American Express Surpass CardAmerican Express | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.3/5 | 4/5 |
| Annual Fee | $150 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 28.24% |
| Signup Bonus | Free Night Reward + 70,000 bonus points (limited-time offer) | None |
| Rewards Rate | 12X at Hilton, 6X at restaurants, supermarkets, and gas stations, 3X on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| 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 | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | $150 annual fee Hilton points worth ~0.5cpp — need volume to get value American Express not accepted everywhere internationally | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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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 Wells Fargo Reflect Card (4/5). 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.