Capital One Quicksilver Cash Rewards Credit Card vs Hilton Honors American Express Surpass® Card

This comparison aims to help you decide between the Capital One Quicksilver Cash Rewards Credit Card and the Hilton Honors American Express Surpass® Card. Both cards offer unique benefits tailored to different spending habits and preferences.

Card Overviews

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is designed for users who prefer straightforward cash back rewards without the hassle of rotating categories or limits. With a $0 annual fee, this card appeals to consumers looking for a simple way to earn rewards on everyday spending.

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is perfect for avid travelers and Hilton loyalists. With a $150 annual fee, this card offers extensive rewards for hotel stays, dining, and other purchases, along with exclusive benefits for Hilton Honors members.

Detailed Feature Comparison

Rewards Highlights

Capital One Quicksilver Cash Rewards Credit Card

• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Earn unlimited 1.5% cash back on every purchase, every day

Hilton Honors American Express Surpass® Card

• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.

Pros and Cons

Capital One Quicksilver Cash Rewards Credit Card

• Pros:
• No annual fee
• Simple cash back rewards structure
• No foreign transaction fees
• Generous welcome bonus

• Cons:
• Lower rewards rate for non-travel purchases compared to travel-specific cards

Hilton Honors American Express Surpass® Card

• Pros:
• Strong rewards for Hilton stays
• Complimentary Gold Status for Hilton Honors
• Generous welcome bonus
• Quarterly statement credits for Hilton purchases

• Cons:
• Higher annual fee
• More complex rewards structure

Who Should Consider Which Card?

Choose the Capital One Quicksilver Cash Rewards Credit Card if:

• You want a straightforward cash back card with no annual fee.
• Your spending is varied and you prefer simplicity without category restrictions.

Opt for the Hilton Honors American Express Surpass® Card if:

• You frequently stay at Hilton properties and seek to maximize hotel rewards.
• You value additional travel benefits and don't mind the annual fee for enhanced rewards.

Conclusion

When choosing between the Capital One Quicksilver Cash Rewards Credit Card and the Hilton Honors American Express Surpass® Card, consider your individual needs and spending patterns. Your choice should align with how you spend, travel, and redeem rewards for maximum benefit.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”