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.
Hilton Honors American Express Surpass® Card vs The World of Hyatt Credit Card
This comparison aims to help you decide between the Hilton Honors American Express Surpass® Card and the World of Hyatt Credit Card, two popular options for travelers looking to maximize their hotel rewards. Each card offers unique benefits, rewards structures, and target audiences, making it essential to evaluate your personal spending habits and travel preferences.
Card Overviews
Hilton Honors American Express Surpass® Card
The Hilton Honors American Express Surpass® Card is designed for avid travelers who frequently stay at Hilton properties. With a focus on earning Hilton Honors points, this card offers a generous rewards structure, complimentary status in the Hilton Honors program, and significant travel perks.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is tailored for those who prefer Hyatt hotels and resorts. This card emphasizes earning points for Hyatt stays and provides valuable benefits, including complimentary elite status, free nights, and bonus points on everyday purchases.
Detailed Feature Comparison
| Feature | Hilton Honors American Express Surpass® Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $150 | $95 |
| Welcome Bonus | 130,000 points after $3,000 in purchases in the first 6 months | Up to 60,000 points after $3,000 in purchases in the first 3 months |
| Rewards Structure | 12X at Hilton, 6X at U.S. restaurants, supermarkets, gas stations, 4X online retail, 3X on other purchases | Up to 9 points total for Hyatt stays, 2 points at restaurants, airlines, local transit, and gyms |
| Foreign Transaction Fee | None | None |
| Other Fees | Terms apply | Member FDIC |
| Additional Benefits | Gold Status, Free Night Reward at $15,000 spend, $200 in statement credits | Discoverist status, Free night each year, Tier qualifying night credits |
Rewards Highlights
Hilton Honors American Express Surpass® Card Rewards
- 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.
The World of Hyatt Credit Card Rewards
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member.
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
Pros and Cons
Hilton Honors American Express Surpass® Card
- Pros:
- High earning potential on Hilton stays
- Generous statement credits
- Complimentary Gold Status
- Cons:
- Higher annual fee compared to Hyatt card
- Rewards focused mainly on Hilton properties
The World of Hyatt Credit Card
- Pros:
- Lower annual fee
- Complimentary Discoverist status
- Free night award each year
- Cons:
- Lower initial welcome bonus
- Rewards skewed towards Hyatt properties
Who Should Consider Which Card?
If you frequently stay at Hilton hotels and prefer to earn Hilton Honors points, the Hilton Honors American Express Surpass® Card may be the best choice for you. Its higher rewards rate on Hilton stays and valuable perks make it ideal for dedicated Hilton guests.
On the other hand, if you prefer Hyatt properties and are looking for a card with a lower annual fee and valuable free night awards, the World of Hyatt Credit Card could be more beneficial. This card offers worthwhile benefits for those who travel often and prioritize Hyatt hotels.
Conclusion
Ultimately, the choice between the Hilton Honors American Express Surpass® Card and the World of Hyatt Credit Card depends on your individual travel habits and preferences. Consider where you stay most often, how you want to earn rewards, and the benefits that matter most to you when making your decision.