Delta SkyMiles Reserve vs Hilton Honors Surpass
Delta SkyMiles Reserve
$650/yr
5.5/10
VS
Hilton Honors Surpass
$95/yr
7.0/10
Quick Answer
Delta SkyMiles Reserve charges $650/yr with 1X base rewards. Hilton Honors Surpass charges $95/yr with 1X base rewards. Hilton Honors Surpass offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Hilton Honors Surpass
Lower annual fee ($650 vs $95)
Rewards Earning
Hilton Honors Surpass
6 earning categories
Benefits & Protection
Delta SkyMiles Reserve
0 benefits vs 0
Statement Credits
Delta SkyMiles Reserve
$360 in annual credits
Flexibility
Hilton Honors Surpass
Transferable points to airline/hotel partners
OUR PICK
Hilton Honors Surpass wins for most people
The $555 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors SurpassPREMIUM PICK
Delta SkyMiles Reserve wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Delta SkyMiles ReserveRewards Earning: Detailed Comparison
Delta SkyMiles Reserve
| Delta purchases | 3.0X |
| Everything else | 1.0X |
| 15% off award travel | 1.5X |
Hilton Honors Surpass
| Hilton hotels | 12.0X |
| US restaurants | 6.0X |
| US supermarkets | 6.0X |
| US gas stations | 6.0X |
| US online retail | 4.0X |
| Everything else | 3.0X |