Hilton Honors Surpass vs Platinum
Hilton Honors Surpass
$95/yr
7.0/10
VS
Platinum
$895/yr
7.0/10
Quick Answer
Hilton Honors Surpass charges $95/yr with 1X base rewards. Platinum charges $895/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 ($95 vs $895)
Rewards Earning
Hilton Honors Surpass
6 earning categories
Benefits & Protection
Platinum
9 benefits vs 0
Statement Credits
Platinum
$1429 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Hilton Honors Surpass wins for most people
The $800 fee difference is hard to justify unless you maximize premium benefits.
Apply for Hilton Honors SurpassPREMIUM PICK
Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for PlatinumRewards Earning: Detailed Comparison
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 |
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Hilton Honors Surpass (0 benefits)
No benefits data available
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status