Delta SkyMiles® Reserve American Express Card vs Hilton Honors American Express Surpass® Card

This comparison aims to assist users in deciding between the Delta SkyMiles® Reserve American Express Card and the Hilton Honors American Express Surpass® Card. Both cards offer unique benefits tailored to different travel preferences and spending habits.

Card Overviews

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card is designed for frequent Delta flyers who want to maximize their travel rewards. With a high annual fee, this card offers extensive benefits including airport lounge access, companion certificates, and substantial earning potential on Delta purchases.

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Surpass® Card is ideal for travelers who prefer staying at Hilton properties. With a lower annual fee, this card provides generous rewards for hotel stays, dining, and other purchases, along with perks like complimentary Gold Status and statement credits for Hilton purchases.

Detailed Feature Comparison

Rewards Highlights

Delta SkyMiles® Reserve American Express Card

• Earn 3X Miles on Delta purchases.
• Earn 1X Miles on all other eligible purchases.

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

Delta SkyMiles® Reserve American Express Card

• Pros:
  • Extensive travel benefits for Delta flyers.
  • Access to Delta Sky Club and The Centurion Lounge.
  • Companion Certificate for annual travel.
• Cons:
  • High annual fee.
  • Best suited for those who travel frequently with Delta.

Hilton Honors American Express Surpass® Card

• Pros:
  • Lower annual fee.
  • Generous rewards on Hilton stays and dining.
  • Complimentary Gold Status.
• Cons:
  • Less valuable for non-Hilton travelers.
  • Lower earning potential on non-Hilton purchases compared to Delta card on Delta purchases.

Who Should Consider Which Card?

• The Delta SkyMiles® Reserve American Express Card is ideal for:
  • Frequent Delta flyers seeking premium travel perks.
  • Individuals who value lounge access and companion travel discounts.
• The Hilton Honors American Express Surpass® Card is best for:
  • Travelers who frequently stay at Hilton hotels.
  • Individuals looking for a lower annual fee with solid rewards on hotel stays and dining.

Conclusion

In summary, both the Delta SkyMiles® Reserve American Express Card and the Hilton Honors American Express Surpass® Card offer valuable benefits tailored to different types of travelers. Consider your individual needs, spending patterns, and travel habits to choose the card that best aligns with your financial goals.

“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.”