Hilton Honors Surpass vs Platinum (Schwab)
Hilton Honors Surpass
$95/yr
7.0/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Hilton Honors Surpass charges $95/yr with 1X base rewards. Platinum (Schwab) 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
Hilton Honors Surpass
0 benefits vs 0
Statement Credits
Platinum (Schwab)
$1439 in annual credits
Flexibility
Hilton Honors Surpass
Transferable points to airline/hotel partners
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 (Schwab) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Schwab)Rewards 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 (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |