Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Venture Rewards Credit Card vs Hilton Honors American Express Surpass® Card
This comparison aims to assist you in deciding between the Capital One Venture Rewards Credit Card and the Hilton Honors American Express Surpass® Card. Both cards offer unique benefits tailored to different types of users, making it essential to understand their features thoroughly.
Card Overviews
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is designed for travelers who want to earn rewards on every purchase. It offers a straightforward earning structure and valuable travel benefits, making it ideal for those who frequently travel or spend on everyday purchases.
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is tailored for hotel guests who frequently stay at Hilton properties. It provides robust rewards for spending at Hilton hotels as well as other categories, along with exclusive perks and status benefits within the Hilton loyalty program.
Detailed Feature Comparison
| Feature | Capital One Venture Rewards Credit Card | Hilton Honors American Express Surpass® Card |
|---|---|---|
| Annual Fee | $95 | $150 |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 in the first 3 months | 130,000 Hilton Honors Bonus Points after spending $3,000 in the first 6 months |
| Rewards Structure | 2X miles on every purchase; 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel | 12X points on Hilton purchases; 6X points at U.S. restaurants, supermarkets, and gas stations; 4X points on U.S. online retail purchases; 3X points on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No limit to miles earned; miles do not expire | Up to $200 in statement credits annually for Hilton purchases |
| Additional Benefits | Global Entry/TSA PreCheck credit; transfer miles to travel loyalty programs | Complimentary Hilton Honors Gold Status; Free Night Reward after spending $15,000 |
Rewards Highlights
Capital One Venture Rewards Credit Card
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2 Miles per dollar 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 Venture Rewards Credit Card
- Pros:
- Flexible travel rewards with no blackout dates
- Easy to earn unlimited miles on all purchases
- Attractive welcome bonus
- No foreign transaction fees
- Global Entry/TSA PreCheck credits
- Cons:
- Lower rewards on travel purchases compared to some dedicated travel cards
- Annual fee after the first year
Hilton Honors American Express Surpass® Card
- Pros:
- High rewards rate for Hilton stays
- Complimentary Hilton Honors Gold Status
- Quarterly statement credits for Hilton purchases
- Free Night Reward with annual spending
- Cons:
- Higher annual fee
- Best rewards primarily for Hilton-related purchases
Who Should Consider Which Card?
The Capital One Venture Rewards Credit Card is ideal for those who enjoy general travel rewards and prefer flexibility in redeeming their points across various travel-related purchases. This card is suitable for users looking for an all-around rewards card.
On the other hand, the Hilton Honors American Express Surpass® Card is better suited for individuals who frequently stay at Hilton hotels and want to maximize their rewards through hotel stays. If you often dine out or shop at U.S. supermarkets, this card provides additional benefits that can enhance your travel experience.
Conclusion
Ultimately, your choice between the Capital One Venture Rewards Credit Card and the Hilton Honors American Express Surpass® Card should depend on your individual spending habits and travel preferences. Consider the rewards structure, fees, and benefits that align most closely with your financial goals and lifestyle.